Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
I am submitting this formal complaint against Experian Information Services LLC for their continued and willful failure to maintain accurate, complete, and verifiable information in my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq. 
XXXX XXXX XXXX XXXX  NC XXXX Wrong Address Issue : This address is being reported on my Experian credit file but I have never resided at or been associated with this location. 
Law Violated : Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i Story : Despite multiple disputes, Experian has continued to associate this address with my file. I have never lived at this location, and I have submitted utility bills and lease agreements showing my correct addresses. This incorrect data suggests either a mixed file or identity theft and is materially misleading to lenders and employers. Experian has not conducted a reasonable reinvestigation as required by law. 
XXXX XXXX XXXX XXXX XXXX NC XXXX Wrong Address Issue : This address is inaccurately linked to my Experian report.

Law Violated : FCRA 1681c ( a ) ( 5 ), 1681e ( b ), 1681i Story : I have never lived at this address nor authorized it to be linked with any financial activity. This may have resulted from a file merger error or inaccurate data furnishing by a third party. Experians continued reporting of this address without verifying my current and past residences violates their obligation to ensure accurate credit file data. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$4700.00} Issue : False late payment entries on my student loan account. 
Law Violated : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) Story : I was under deferment due to COVID-related hardship during the reported late months. XXXX has acknowledged this status in prior communication, yet Experian still reflects delinquency. This misreporting drastically affected my credit score, despite being eligible for CARES Act protections. No proper reinvestigation has been done. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$3500.00} Issue : Late payment incorrectly reported. 
Law Violated : FCRA 1681i, 1681e ( b ), CARES Act 4021 Story : I was in a hardship forbearance and properly communicated with XXXX. Yet, Experians report shows late payments during this period. This contradicts federal policy protecting student borrowers and shows lack of data accuracy and verification procedures on Experians part. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Inaccurate payment history.

Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Story : I never received any notice of delinquency, and my payments were auto-drafted from my bank. XXXX confirmed no default, yet Experians reporting does not reflect this. I requested documentation and reinvestigation, but Experian failed to comply. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$7100.00} Issue : False late mark affecting credit health. 
Law Violated : FCRA 1681i, 1681e ( b ) Story : I was under deferment and Experian was notified through a formal dispute, including supporting documents. Still, no correction was made. This shows gross negligence and noncompliance with federal law. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$3800.00} Issue : Incorrect late payments due to servicer misreporting.

Law Violated : FCRA 1681s-2 ( a ), 1681e ( b ) Story : There were no missed payments on this account. The delinquency was due to XXXX error, which I proved through bank records. Experian failed to verify the accuracy of this derogatory item. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$7100.00} Issue : Misreported delinquency. 
Law Violated : FCRA 1681i, 1681e ( b ) Story : This was a consolidated loan that was never in default. Yet, Experian reported missed payments, and when disputed, they responded with generic language and refused to remove or investigate it further. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Unjustified negative mark on student loan. 
Law Violated : FCRA 1681e ( b ), 1681i ( a ) Story : The servicers internal records do not show a late payment for the date in question. I have never missed a due date, and Ive submitted documentation of my timely payments. Still, Experian failed to remove the inaccurate data. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$160.00} Issue : Discrepancy in payment status. 
Law Violated : FCRA 1681e ( b ) Story : This loan was in good standing and even paid off early. The false late mark placed on this small balance is materially misleading and unfairly lowers my credit score. 
XXXX XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$7100.00} Issue : Servicer error misreported as my fault. 
Law Violated : FCRA 1681e ( b ), 1681s-2 Story : I submitted formal documentation of deferment but still received derogatory reporting. Experian is failing in its duty to ensure data completeness and accuracy. 
XXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Inaccurate and unverifiable delinquency. 
Law Violated : FCRA 1681c-2, 1681i Story : No validation has ever been sent to me. My records show timely payments. Experian has ignored my repeated dispute attempts. 
XXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Duplicate reporting of errors. 
Law Violated : FCRA 1681i Story : This loan was included in a consolidation plan. Reporting it as late is duplicative and misleading. I raised this with Experian and provided DOE documents but got no correction. 
XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$7200.00} Issue : Incorrect negative reporting harming credit profile. 
Law Violated : FCRA 1681e ( b ), 1681i Story : I submitted three disputes over the past year with supporting documentation. Experian has responded with template letters and failed to perform a real investigation. 
XXXX XXXX XXXX  XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$4700.00} Issue : CARES Act violation through false delinquency. 
Law Violated : FCRA 1681s-2, CARES Act 4021 Story : I was covered under federal COVID-19 student loan protections. Reporting missed payments is not only inaccurate but illegal under the CARES Act. Experian has failed to comply. 
XXXX XXXX XXXX  XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$3500.00} Issue : Servicer corrected data, but Experian refused to update.

Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Story : XXXX XXXX XXXX  sent a corrected status, yet Experian continues to show derogatory data. This is clear willful noncompliance. 
Unknown Account XXXX Collection Date Opened : XX/XX/XXXX Balance : {$630.00} Issue : Unknown account reported in collections without verification.

Law Violated : FCRA 1681b, 1681i, 1681c-1 Story : I do not recognize this account. It may be fraudulent. I have requested validation but have received no communication from Experian. Continuing to report it is gross negligence and may constitute identity theft misreporting. 
XXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$3800.00} Issue : Erroneous delinquency despite active forbearance. 
Law Violated : FCRA 1681e ( b ), 1681i Story : My loan was in approved deferment. Reporting a late payment during this period misrepresents the nature of my account and severely impacts my creditworthiness. 
XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : -- Issue : Negative payment history without a reported balance. 
Law Violated : FCRA 1681e ( b ), 1681s-2 Story : The account balance shows as blank, but Experian is still marking late payments. Without context or validation, this information is materially misleading and should not be reported. 
I have exhausted all direct disputes with Experian and still see no resolution. The continuous reporting of inaccurate, unverifiable, and obsolete data is causing severe damage to my credit reputation, mental distress, and financial harm. I am now seeking CFPBs intervention to mandate Experian to fully investigate and permanently delete or correct the above items from my credit file. 
Relief Requested : 1. Immediate deletion of all inaccurately reported late payments, collections, and wrong addresses.

2. Full reinvestigation with verifiable documentation as per FCRA 1681i.

3. Penalties and enforcement actions against Experian for repeated non-compliance.

4. Written response and resolution documentation to be provided to me within CFPBs timeframe.

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