Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for ongoing and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ). Despite multiple disputes and legal obligations to report accurate and verifiable information, Experian continues to report multiple inaccurate addresses and derogatory accounts on my credit file. These errors have harmed my creditworthiness, reputation, and financial stability. Below are the specific disputed entries : Wrong Addresses XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : I have never resided at or had any association with these addresses. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy.

Violation : These addresses are outdated and factually incorrect. They may be the result of identity confusion or file mixing. They continue to reappear despite prior disputes. This constitutes negligent and willful non-compliance with the FCRA. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Late Payments * * Issue : Experian reports this account with late payments, which are not accurate. I requested verification, but no proper documents were provided.

Law : FCRA 1681i ( a ) requires reinvestigation of disputed information within 30 days.

Violation : Reporting unverifiable late payments after dispute violates the duty to maintain accurate records and reinvestigate disputed data. 
XXXX Acct : XXXX XXXX XXXX XXXX Charge Off * * Issue : This account was closed, yet it's listed as a charge-off without a valid explanation or proof.

Law : FCRA 1681c ( a ) ( 4 ) prohibits outdated or unverifiable charge-offs from being reported.

Violation : Charge-off status is inaccurate and unverifiable, harming my credit unjustly. 
XXXX Acct : XXXX XXXX XXXX  Charge Off * * Issue : I did not authorize this account, and no documentation proving ownership has been presented.

Law : Under FCRA 1681b, no account may be reported without permissible purpose or proper verification.

Violation : This may be a case of mixed file or identity theft. 
XXXX Acct : XXXX XXXX XXXX Charge Off * * Issue : Experian continues reporting this charge-off despite my dispute, without verifying the information.

Law : FCRA 1681i and 1681s-2 ( b ) mandate proper investigation and correction by both Experian and the furnisher.

Violation : Failure to conduct a reasonable investigation after dispute. 
XXXX XXXX XXXX Acct : XXXX Charge Off * * Issue : This account shows a charge-off even though the high balance is reported as {$0.00}, which is illogical and deceptive.

Law : FCRA 1681e ( b ) requires maximum possible accuracy.

Violation : Misleading and materially incorrect information. 
XXXX XXXX Acct : XXXX XXXX XXXX Charge Off * * Issue : This account was paid via insurance settlement after a total loss. The charge-off status is inaccurate.

Law : FCRA 1681s-2 ( a ) prohibits reporting information known to be inaccurate.

Violation : Furnishing false derogatory data post-settlement. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX Charge Off * * Issue : This account should be marked settled or closed, not charged off. Ive submitted proof, but Experian failed to act.

Law : FCRA 1681i and 1681c-2 give me the right to dispute and block incorrect information.

Violation : Incomplete and inaccurate representation of payment status. 
XXXX XXXX Acct : XXXXXXXX XXXX Charge Off * * Issue : This is another inaccurate account marked as a charge-off without any verification.

Law : FCRA 1681s-2 ( b ) requires data furnishers to conduct timely and reasonable investigations.

Violation : No evidence was shared despite my direct disputes to both Experian and the creditor. 
XXXX Acct : XXXX XXXX Charge Off * * Issue : The account was settled via collections. The continued charge-off reporting is inaccurate and harmful.

Law : FCRA 1681c requires accuracy in consumer report items.

Violation : Incorrect reporting of the status after resolution. 
XXXX Acct : XXXXXXXX XXXX Late Payments * * Issue : I experienced temporary hardship due to medical emergencies and documented this in prior disputes.

Law : FCRA 1681i requires consumer reporting agencies to consider supporting evidence.

Violation : Ignoring hardship evidence shows lack of reasonable reinvestigation. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Charge Off * * Issue : This account was part of an involuntary repossession, and insurance covered the balance. The charge-off is incorrect.

Law : FCRA 1681e ( b ) and 1681s-2 prohibit furnishing inaccurate or outdated data.

Violation : Reporting without factoring final balance resolution. 
XXXX Acct : XXXX XXXX  Charge Off * * Issue : Experian has failed to verify the legitimacy of this entry even after multiple disputes.

Law : FCRA 1681i mandates correction or deletion of unverifiable data.

Violation : Willful failure to respond to dispute appropriately. 
XXXX XXXX Acct : XXXX XXXX Charge Off * * Issue : This utility account was paid through third-party assistance. Charge-off is inaccurate.

Law : FCRA 1681s-2 requires furnishers to report accurate payment history.

Violation : Experian failed to update even after being notified. 
XXXX XXXX XXXX Acct : XXXX XXXX Charge Off * * XXXX XXXX XXXX Acct : XXXXXXXX XXXX Collection ( x2 ) * * Issue : These debts are duplicative and/or result from debt buying practices. Validation request was ignored.

Law : FCRA 1681g and FDCPA 809 ( a ) ( 15 U.S. Code 1692g ) require debt validation.

Violation : Failure to validate and duplicative reporting harms my credit score and confuses lenders. 
XXXX XXXX Acct : XXXX Collection * * Issue : This account does not belong to me. No proof of contract or responsibility provided.

Law : FCRA 1681b and FACTA require accuracy and permissible purpose.

Violation : Reporting a debt without evidence of liability. 
XXXX  Accts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection * * Issue : Both accounts were disputed and no validation was provided.

Law : FCRA 1681i and FDCPA validation rights apply.

Violation : Collection entries without proper proof or verification. 
XXXX XXXX Acct : XXXXXXXX XXXX  Collection * * Issue : Account listed in 2025 but I have no knowledge or agreement related to this.

Law : FCRA 1681s-2 ( b ) and FDCPA 15 USC 1692g Violation : No notice or debt validation provided. 
XXXX  Accts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( x3 ) * * Issue : Duplicate and unverified reporting. It seems related to previously disputed accounts.

Law : FCRA 1681c-2 allows deletion of information resulting from identity theft or mixed file.

Violation : Duplicate and unverifiable entries damaging credit health.

Conclusion and Remedy Requested I am requesting CFPBs immediate intervention to compel Experian to ( 1 ) delete all incorrect addresses, ( 2 ) remove or correct all disputed accounts that remain unverified, duplicative, or outdated, and ( 3 ) provide documentation proving reinvestigation outcomes for each entry. The failure to do so constitutes gross negligence and reckless disregard for my rights under the FCRA and FACTA. The continued reporting of these errors has caused emotional distress, financial hardship, and lost opportunities.

Please help enforce my rights under federal law.

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