Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Formal Dispute Follow-up Failure to Remove Obsolete Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Email : XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal Dispute Follow-up Failure to Remove Obsolete Address Dear Experian Dispute Department, I am writing to follow up on your response dated XX/XX/2025, regarding my formal dispute submitted through the CFPB on XX/XX/2025. 

Your reply is both legally insufficient and factually inaccurate, and it fails to meet the standards required by federal consumer protection laws. 

Summary of the Ongoing Issue : I have repeatedly disputed the presence of the following obsolete and inaccurate address on my Experian credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX I have clearly and consistently informed Experian that this address is no longer associated with me and must be permanently removed from my file. 

The only current and accurate address that should remain on my credit report is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Violations of Federal Law : Your continued failure to remove the outdated address violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Accuracy of Report You are required to follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file. Reporting an obsolete address which youve been repeatedly notified is incorrect directly contradicts this legal obligation.

15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information You are legally obligated to conduct a reasonable reinvestigation of any disputed information and delete any item found to be inaccurate, incomplete, or unverifiable within 30 days. You failed to do so. 

CFPB Guidance on Consumer Disputes Per CFPB regulatory standards, your agency is responsible for investigating consumer disputes in good faith and is not permitted to deflect responsibility to furnishers or public record sources without properly verifying the accuracy of the disputed data.

Errors in Your Response : 1. You cited the address may have come from creditors or public sources, but you failed to name the specific source, which is required.

2. You advised me to contact the data furnisher this is a direct violation of the FCRA, which places the reinvestigation obligation on you as the credit reporting agency.

3. You ignored my documented prior disputes regarding this address despite my right to have obsolete or unverifiable personal information removed. 

Additional Facts : XXXX  and XXXX  have already removed the above-referenced outdated address from my credit files. 
Therefore, the continued reporting by Experian is not only inconsistent, but also harmful and misleading. 

My Legal Demand : I am now formally demanding that Experian : XXXX. Immediately and permanently delete the obsolete address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. Retain only the current address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Provide the name, address, and contact information of any entity that continues to supply the outdated address information to Experian, if any. 

XXXX. Confirm in writing that the outdated address has been removed and no longer affects my credit report. 

Failure to Comply : Should you fail to correct this matter promptly, I am prepared to : Escalate my complaint with the Consumer Financial Protection Bureau ( CFPB ) File formal complaints with the Federal Trade Commission ( FTC ) Pursue civil remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA including actual damages, punitive damages, and attorneys fees I expect a final resolution of this matter within 15 days of receipt of this letter. Please consider this a formal notice of intent to escalate if compliance is not achieved. 

Sincerely, XXXX XXXX XXXX

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