Consumer complaint received 2025-07-04 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:
I am filing a formal complaint against Experian for reporting inaccurate, obsolete, and unverifiable information on my credit report. Despite previous attempts to resolve these issues directly with Experian, my disputes have not been appropriately investigated or corrected, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal laws. I am being severely harmed by these continued inaccuracies, including wrongful denials of credit, higher interest rates, and emotional distress. Below, I have listed each dispute item along with the violations and supporting facts.

WRONG ADDRESSES REPORTED VIOLATION OF FCRA 607 ( b ) & 609 ( c ) ( 2 ) Experian has inaccurately listed multiple addresses on my credit report that do not belong to me. These addresses are damaging to my profile and connected to fraudulent or mistaken accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I have never resided at these locations, nor are they associated with any valid account. Reporting such addresses violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

Legal Violation : FCRA 609 ( c ) ( 2 ) ( E ) gives consumers the right to request and correct inaccurate or incomplete personal information.

Requested Action : These addresses must be permanently removed as they are clearly unverifiable and misleading. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$35000.00} | Issue : Late Payment ( s ) Issue : Late payments have been reported that I strongly believe are inaccurate and not validated by the original creditor.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information that is inaccurate.

Story : I have not received any legally required notices about the alleged delinquency. I have requested validation multiple times, and Experian failed to obtain verifiable proof from the creditor. Reporting unverified derogatory marks after a formal dispute is a violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1100.00} | Issue : Collection Account Issue : This account is inaccurately reported and unverifiable. No debt validation has been provided despite request. 
Law Violated : FDCPA 809 ( b ) ; FCRA 611 & 623 Story : I have never received any collection notice from this agency nor a detailed debt breakdown. Under FDCPA, a debt collector must provide validation within 30 days. Experian is liable for continuing to report this without proper verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$300.00} | Issue : Collection Account Issue : Duplicate collection by the same agency for a similar date and amount raises concerns of double reporting or error.

Law Violated : FCRA 607 ( b ), FDCPA 807 ( 2 ) ( A ) ( false representation of debt amount ), and 809 Story : This is an attempt to inflate derogatory listings. This is either a duplicate debt or an erroneous record. Experian has refused to reasonably investigate per FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$170.00} | Issue : Charge-Off Issue : This account is marked as a charge-off without sufficient verification or notice.

Law Violated : FCRA 623 ( a ) ( 3 ), which requires furnishers to update and correct inaccurate data ; and 611.

Story : I was never notified of this charge-off. Reporting this without proper investigation after a dispute is reckless and harmful. I have submitted proof disputing this charge, yet Experian continues to report it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2500.00} | Issue : Charge-Off Issue : This account was disputed for being fraudulent, but no fraud investigation has been conducted or verified. 
Law Violated : FCRA 611 ( a ) ( 1 ) ( A ), FCRA 605B ( Blocking of fraudulent information upon identity theft claim ) Story : I have filed disputes indicating this is identity theft-related. Under FCRA 605B, Experian is required to block fraudulent data within four business days of receiving proper documentation. They have failed to do so, showing blatant noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$380.00} | Issue : Late Payment ( XXXX ) Issue : Late payments are being reported inaccurately. XXXX failed to respond to my validation request, and no records were presented by Experian. 
Law Violated : FCRA 623 ( b ), FCRA 611 Story : I dispute the dates and existence of these alleged late payments. Under FCRA, data furnishers and CRAs must delete or correct information if they can not confirm its accuracy. 
I am formally requesting immediate deletion of the above-mentioned inaccurate, unverifiable, or outdated information from my credit report under FCRA 611 ( a ) ( 5 ) ( A ). Experian has failed to uphold its obligations under the FCRA and FDCPA, including its duty to conduct a reasonable investigation and provide documentation verifying the legitimacy of the disputed items. 
If this issue is not resolved promptly, I intend to escalate further by seeking legal counsel and submitting full documentation to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and state regulatory agencies. 
Relief Requested : 1. Permanent deletion of all inaccurate addresses 2. Permanent deletion or correction of all disputed accounts and inaccurate payment history 3. A complete reinvestigation with verification documentation per FCRA 4. A full, mailed updated credit report showing the corrected information This dispute is made in good faith. I demand immediate and thorough resolution in compliance with all federal regulations.

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