Consumer complaint received 2025-07-09 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:
This is a formal complaint against Experian for continued reporting of inaccurate, incomplete, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve these matters directly with Experian, they have failed to correct or delete the erroneous items. Below is a breakdown of each disputed address, account, and inquiry, along with the specific issue, law violated, and an expanded explanation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : Incorrect Address Not Associated With Me Law Violated : FCRA 1681e ( b ), 1681c-1 Explanation : I have never resided at this address. Its appearance on my credit report is unauthorized and misleading. Such false address reporting can trigger fraud alerts, misidentification during background checks, or wrongful denial of credit. This error reflects Experians failure to follow reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : False Address Entry Not My Residence Law Violated : FCRA 1681i ( a ), 1681b Explanation : This address is linked to a location and state where Ive never lived or worked. This may indicate either fraudulent activity or identity file mixing, which places me at financial risk. Despite raising disputes with Experian and asking for address removal, the bureau has not taken any action or provided documentation validating this listing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Chargeoff Balance Owed : {$20000.00} Issue : Chargeoff Reporting Without Proper Validation Law Violated : FCRA 1681e ( b ), 1681i ( a ), FDCPA 809 Explanation : This account has been marked as charged off by XXXX XXXX XXXX XXXX, but I have never received a full validation notice, breakdown of charges, or accurate history. This item was added without notice and without proper investigation during my dispute. Its continued presence harms my creditworthiness and was reported without Experian conducting a meaningful reinvestigation as required by law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Chargeoff Balance Owed : {$5600.00} Issue : Unverified and Inaccurate Chargeoff Law Violated : FCRA 1681e ( b ), 1681i, FDCPA Explanation : I disputed this XXXX XXXX chargeoff due to discrepancies in the payment history and lack of proper notification from the creditor. This account was settled years ago, yet Experian failed to verify its current status before continuing to report it. The chargeoff is outdated and damaging. I never received written communication validating the debt or notice of right to dispute from the creditor or from Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Balance Owed : {$10000.00} Issue : Late Payments During Deferment Period Law Violated : FCRA 1681s-2 ( a ), 1681i ( a ), CARES Act Explanation : This account was placed in XXXX deferment, during which no late payments were legally allowed to be reported. However, Experian continues to report multiple delinquencies, violating both the FCRA and CARES Act provisions. I submitted documentation showing my forbearance approval, but Experian has not corrected the error. This inaccurate data severely impacted my score and credibility. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Balance Owed : {$0.00} Issue : Incorrect Late Payment on Closed Account Law Violated : FCRA 1681e ( b ), 1681i ( a ) Explanation : This account has been paid off and closed, yet Experian is still reporting past due payments. This is misleading and causes unfair negative impact. I have disputed this item, submitted bank confirmation of payoff, but Experian did not remove or update the entry accurately. This is a clear failure in their duty to maintain current and correct information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Balance Owed : {$16000.00} Issue : Reporting of Late Payments During Financial Hardship Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Explanation : I entered into a hardship assistance program with XXXX XXXX and was granted temporary relief. During this time, I was promised that no negative reporting would occur. However, Experian still listed multiple late payments. I contacted both the creditor and Experian, but Experian did not perform a good-faith reinvestigation. This has caused significant reputational and financial damage. 
Due to the above, Experian has demonstrated a systemic pattern of negligence, failure to investigate, and disregard for my rights under federal law. I request that the Consumer Financial Protection Bureau compel Experian to remove or correct all the above errors immediately and ensure compliance with the Fair Credit Reporting Act. These errors are affecting my financial well-being and opportunity to access fair credit and housing.

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