Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Account & Request for Removal of Outdated Address Citing FCRA 611, 609, 605B and CFPB Enforcement Action To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable information appearing on my Experian credit report. I also formally request the removal of an outdated address that is no longer associated with me. In addition, I remind you that the Consumer Financial Protection Bureau ( CFPB ) recently filed suit against Experian for failing to properly investigate disputes and for illegally reinserting previously removed errorspractices that violate federal law and materially harm consumers ' access to credit, employment, and housing. 

XXXX. Disputed Account : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXXXXXX XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$490.00} Reported Credit Limit : {$300.00} Status : Open ; {$95.00} past due ; 4 late payments ; 100 % credit utilization Status Updated : XX/XX/XXXX Nature of Dispute : I dispute the accuracy, completeness, and verifiability of this account for the following reasons : The payment history shows four consecutive late payments ( XXXX XXXX ), which I do not acknowledge and require documented validation. 

The reported balance exceeds the stated credit limit ( {$490.00} on a {$300.00} limit ), which appears inaccurate and may suggest predatory or erroneous reporting.

The account status is materially misleading and damaging to my credit profile.

Legal Grounds : Under the FCRA 611 [ 15 U.S.C. 1681i ], you are required to conduct a reasonable and thorough investigation within 30 days. If the information can not be verified with documented proof from the original creditor, it must be deleted from my report. Additional rights include : FCRA 609 ( a ) ( 1 ) : Right to see and verify the sources and documentation used to validate this tradeline.

FCRA 602 ( A ) : Obligation to ensure fair, accurate, and relevant credit reporting.

FCRA 605 ( a ) : Bars outdated, unverifiable, or inaccurate information from remaining on a report.

FDCPA 809 [ 15 U.S.C. 1692g ] : If the debt has been sold or transferred, I request full details of the current creditor.

2. Removal Request : Outdated Address Incorrect Address to Be Removed : XXXX XXXX XXXX XXXX, GA XXXX This address is outdated, no longer associated with me, and must be removed to prevent identity confusion, incorrect attribution of debt, or potential fraud. 

Legal Basis for Address Removal : Under FCRA 609 ( c ) ( 2 ) ( A ) and 611, Experian is required to report only accurate and current identifying information. Maintaining obsolete addresses violates these provisions and increases the risk of credit reporting errors. 

3. CFPB Action Against Experian Reinforcement of Legal Obligations I am fully aware of the Consumer Financial Protection Bureaus lawsuit against Experian for engaging in sham investigations and failing to correct or remove known errors. According to the CFPB, Experian has reinserted inaccurate information without proper notice, and ignored consumer disputes, threatening Americans access to housing, employment, and credit. 

Given this federal enforcement action, I expect full compliance with the FCRA and a legally sufficient investigationnot a form-letter denial or automated dismissal. 

Requested Actions : Conduct a full investigation of the XXXX XXXX XXXXXXXX XXXX account. 

If unverifiable, delete the account in compliance with FCRA XXXX. 

Permanently remove the outdated address : XXXX XXXX XXXX, XXXX, GA XXXX. 

Send me written confirmation of the results of your investigation. 

Provide an updated copy of my credit report, free of charge, per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ).

Thank you for your immediate attention to this matter. Failure to act in accordance with federal law may result in a formal complaint to the CFPB and other appropriate regulatory agencies. 

Sincerely, XXXX XXXX XXXX

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