Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I am writing to file a formal complaint against Experian for continuously reporting inaccurate and damaging information on my credit report, despite my attempts to have the errors corrected. These issues are severely affecting my credit score, my financial stability, and my ability to qualify for important services. I believe these actions violate my rights under the Fair Credit Reporting Act ( FCRA ), especially regarding the reporting of inaccurate, unverifiable, and misleading information. 

To begin with, there are XXXX addresses currently being reported on my Experian credit file that are completely incorrect and have no association with me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at either of these addresses, and their continued presence on my credit profile raises serious concerns about a potential mixed file or identity confusion. I have submitted proof of my current address and valid identification in prior disputes, yet these addresses remain on file. XXXX failure to remove these unverifiable addresses is a direct violation of FCRA Section 602 ( a ), which ensures consumers are treated fairly and that reports are accurate. 

Furthermore, there are several accounts being reported with late payments and derogatory information that are either inaccurate or unverifiable : One of these is a XXXX XXXX account ( ending in XXXX ), which was opened on XX/XX/XXXX, and shows a balance of {$460.00}. It is currently being reported with a late payment. However, I have not received any valid documentation from Experian to verify this derogatory mark. Despite my efforts to dispute it and provide context, the information has remained without any reinvestigation results or explanation. 

XXXX additional accounts from XXXX are being reported with late payments : The first account ( ending in XXXX ) was opened on XX/XX/XXXX, and shows a balance of {$1300.00}. 

The second account ( ending in XXXX ) was opened on XX/XX/XXXX, with a balance of {$1100.00}. 

Both of these accounts are reporting negative payment history that is either outdated or not properly verified. I have requested validation, but no supporting documents have been provided, and no proper reinvestigation has been conducted as required under FCRA Section 611.

Additionally, there is a charge-off account from XXXX ( account ending in XXXX ), opened on XX/XX/XXXX, with a reported balance of {$640.00}. I have no recollection of this debt being unpaid or charged-off. I attempted to dispute this entry and requested documentation to validate the account and the charge-off status, but again, Experian failed XXXX provide any proof or evidence to support this derogatory listing. 

These reporting errors have not only harmed my credit score but have also caused emotional distress, led to denials for financial services, and put me under unnecessary financial pressure. I believe Experian has failed in its obligation to ensure the information it reports is accurate, complete, and verifiable. This is in violation of multiple sections of the FCRA, including 602 ( a ), 607 ( b ), and 611 ( a ).

I respectfully request that the CFPB assist in having Experian : Remove all inaccurate and unverifiable addresses from my credit report Investigate and remove all accounts reporting unverifiable or incorrect late payments Validate or delete the charge-off account from XXXX Ensure my credit file reflects only accurate and verifiable information Thank you for reviewing my complaint. I hope this matter is resolved quickly and fairly with the enforcement of my consumer 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