Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against Experian for continuing to report inaccurate, incomplete, and unverifiable information on my consumer credit report. Despite multiple attempts to dispute these items directly with Experian, these erroneous accounts and addresses remain on file, violating several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Wrong Address Reporting : Address Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Issue : I do not recognize this address as one Ive ever resided at. Reporting inaccurate address history affects my creditworthiness and places me at risk of identity theft and fraud. 
Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

Violation : FCRA 1681c Outdated or incorrect address reporting. 
Disputed Accounts : XXXX. XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$31000.00} Issue : Repeatedly reported late payments, which I dispute as inaccurate and unverified. These are damaging my creditworthiness and were not validated despite prior disputes. 
Violation : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

Violation : FCRA 1681s-2 ( b ) Furnisher failed to correct inaccurate data.

Statement : These late payments were never communicated properly to me by the furnisher. I requested full verification, including original billing records, which was never provided. Therefore, continued reporting is misleading and illegal under federal law. 
XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$4500.00} Issue : Marked with late payments I have no record or notice of. No documentation has been provided upon request, violating my right to verification. 
Violation : FCRA 1681e ( b ) Failure to report with maximum possible accuracy.

Violation : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to investigate consumer dispute.

Statement : This accounts reported delinquencies are in error. I was never late, and I received no notices of delinquency. I formally requested verification from Experian and received none. 
XXXX. XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Issue : Experian continues to report late payments, despite my disputes and lack of supporting documentation. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Duty of data furnisher to report accurate information.

Violation : FCRA 1681i ( a ) ( 5 ) ( A ) Duty to delete unverifiable information.

Statement : These alleged delinquencies are aged and unproven. Experian failed to validate the information during the dispute process. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} Issue : This account has been charged off and is hurting my credit, but no verification was provided and I was never properly notified. 
Violation : FCRA 1681i Failure to reasonably investigate after dispute.

Violation : FCRA 1681b Reporting outdated/inaccurate charge-offs.

Statement : The charge-off status was never confirmed by furnishing parties, nor was I given proper notice. It is unjust and inaccurate to maintain this derogatory status without legal substantiation. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} Issue : This account was marked as a charge-off, yet I never received any written communication, and my prior disputes went uninvestigated. 
Violation : FCRA 1681s-2 ( b ) Duty to investigate and correct inaccurate info.

Violation : FCRA 1681i Continued reporting of disputed charge-offs.

Statement : This account was never properly validated. The charge-off status is unjustified, and Experian has failed to provide any evidentiary support. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$50.00} Issue : Reporting late payments on such a minor account is inaccurate and disproportionate, especially when the reporting furnisher has failed to verify the claim. 
Violation : FCRA 1681e ( b ) Disproportionate damage from unverifiable reporting.

Violation : FCRA 1681i Failure to reinvestigate after dispute.

Statement : For a {$50.00} high credit limit, the impact of these alleged late payments is unfair. It seems unreasonable and was never verified after multiple requests. 
Final Statement : Experians conduct constitutes gross negligence in consumer credit reporting under the FCRA. These accounts remain on my file without proper verification, without investigation after disputes, and despite clear inaccuracies and legal violations. I am suffering financial, emotional, and reputational damage due to these unsubstantiated derogatory marks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation