Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Investigator, I am writing to file a formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to their continued reporting of inaccurate and unverifiable information on my credit report. Despite my submission of a written dispute requesting investigation and correction, Experian has failed to comply with FCRA 1681i by not removing or verifying the following items appropriately. 

Below are the specific accounts and issues I previously disputed : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Issue : This address is incorrect and has no relation to me. Reporting an incorrect address is a violation of FCRA 1681e ( b ) which mandates the use of reasonable procedures to ensure maximum possible accuracy. 

XXXX XXXX # XXXX Issue : Late payment reported on an account with only a {$25.00} balance. No proof or billing history has been provided. I did not receive any formal delinquency notification, making the report unverifiable. 

XXXX # XXXX * Issue : Reports a late payment on a {$0.00} balance account, which is misleading and violates Metro 2 compliance and FCRA accuracy standards. 

XXXX XXXX # XXXX Issue : Charge-off with unverified balance and no communication or validation of debt. Dates and status are inconsistent. 

XXXX  # XXXX * Issue : Charge-off listed with no supporting documentation or debt validation. I was not notified of the charge-off and was denied a fair dispute opportunity. 

XXXX # XXXX Issue : Late payment on a {$0.00} balance is being reported, which is inaccurate and non-compliant with Metro 2 and FCRA standards. 

XXXX XXXX  # XXXX Issue : Charge-off with no itemized breakdown or supporting documentation. This tradeline has not been verified and continues to harm my credit file. 

XXXX XXXX XXXX XXXX Issue : A large charge-off balance of {$11000.00} is being reported with no detailed account history, no validation, and no proof of accuracy. 

I submitted a formal dispute and requested that Experian conduct a reinvestigation in accordance with FCRA 1681i. However, they failed to properly investigate or remove unverifiable accounts, and instead allowed inaccurate data to continue harming my credit profile. This behavior is unacceptable and in direct violation of federal consumer protection laws. 

Experian has a legal obligation to ensure all information they report is accurate, verifiable, and complete. By continuing to report unverifiable data and failing to provide validation, Experian is violating my rights as a consumer and causing financial and emotional harm. 

Requested Resolution : Immediate deletion of all the above-mentioned inaccurate and unverifiable items A written confirmation of all corrections made Assurances that Experian will follow FCRA and Metro 2 guidelines in future reporting Thank you for your time and for addressing this matter. I respectfully request that the CFPB hold Experian accountable for their failure to comply with federal law and protect consumers from ongoing reporting harm.

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