Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I am filing this complaint against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate and unverifiable information on my consumer credit file, specifically : XXXX. Reporting of incorrect addresses not associated with me. 
XXXX. Reporting of a collection account that is inaccurate, incomplete, or unverifiable. 
XXXX. Reporting of a charge-off account that is inaccurate, incomplete, or unverifiable. 
I have disputed these items with Experian previously, and despite having an open complaint with the CFPB, this is now my XXXX request, and Experian has failed to conduct a proper investigation as required under the FCRA XXXX ( 15 U.S. CXXXXe XXXXi ). 
XXXX. Wrong Addresses Reported ( FCRA XXXX ( b ), XXXX ( c ), XXXX ) Address XXXX : XXXX XXXX XXXX XXXX, LA XXXX Issue : This address does not belong to me. I have never resided, received mail, nor used this address for any personal, legal, or financial purpose. 
Address XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX Issue : This address is also incorrectly being reported on my Experian credit file. I have no association whatsoever with this address. 
FCRA Violation : Under FCRA XXXX ( b ), Experian is required to ensure that consumer reports do not contain information that is inaccurate or not verifiable. These addresses are factually incorrect, and their continued reporting demonstrates negligence and noncompliance with FCRA XXXX, which mandates a proper reinvestigation process. 
XXXX. XXXX XXXX XXXX Account Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This account is being reported inaccurately as a collection. I was never properly notified regarding this debt, and no proper validation of debt was ever provided. Additionally, I believe the debt is either fraudulent, inflated, or incorrectly assigned. I have requested verification, and Experian has failed to properly investigate this entry. 
FCRA Violations : FCRA XXXX ( 15 U.S.C. XXXXi ) : Failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( 15 U.S.C. XXXXg ) : Failure to provide complete details and source of the account. 
FCRA XXXX ( XXXX ) of the FDCPA : It is a violation to communicate credit information known to be false or failing to communicate that a disputed debt is disputed. 
XXXX. XXXX BANK AND XXXX Charge-Off Account Creditor : XXXX BANK AND XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$21000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account has been reported as a charge-off without any proper validation. I never received accurate billing statements, nor was I provided with due process before this charge-off was reported. Furthermore, the reporting appears incomplete, possibly duplicated, and damaging to my creditworthiness. 
FCRA Violations : FCRA XXXX ( b ) ( 15 U.S.C. XXXXe ( b ) ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 
FCRA XXXX ( 15 U.S.C. XXXXi ) : No reinvestigation was conducted after I disputed this account. 
FCRA XXXX ( a ) ( XXXX ) : Failure to provide me with the source of the account information and contractual proof. 
Story/Background : I am a consumer who has been severely impacted by Experians continued reporting of false, inaccurate, and unverifiable information. Despite sending multiple written disputes, Experian has failed to remove incorrect addresses, investigate disputed accounts, and validate negative tradelines that are damaging my ability to obtain housing, employment, and fair credit. 
As a result of these violations, I have been denied credit opportunities, suffered emotional distress, and experienced undue hardship. 
This ongoing pattern of negligence, failure to verify, and refusal to correct inaccurate information directly violates several sections of the Fair Credit Reporting Act ( FCRA ) and demonstrates willful noncompliance. 
Relief Requested : I respectfully request that the CFPB : XXXX. Order Experian to immediately remove the following inaccurate addresses : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. Delete or properly verify the following accounts : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Collection ) XXXX XXXX BANK AND XXXX XXXXXXXX XXXX XXXX XXXX ( Charge-Off ) XXXX. Require Experian to provide full method of verification and source of furnishing for each of these items, as per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
XXXX. Impose penalties if Experian is found in willful violation of FCRA XXXX and XXXX. 
Please confirm receipt of this complaint and provide me updates regarding the investigation and Experians response.

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