Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
I am submitting this formal complaint against Experian for their continued reporting of inaccurate, unverifiable, and misleading information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 1681i, and 1681c. Despite several attempts to correct this information through direct disputes, Experian has failed to properly investigate and delete or correct erroneous data.

Below are the disputed entries, along with the related legal violations and detailed explanation for each. 
INCORRECT ADDRESSES REPORTED BY EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not affiliated with me in any capacity. I have never lived or received mail at this location. The continued reporting of this address constitutes negligence in maintaining accurate and verifiable personal data as required under 15 USC 1681e ( b ).

Reporting inaccurate address information can lead to mixed files and identity confusion, which harms my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at this address. This information appears to be mistakenly merged from another individual. Under 1681c, outdated or unrelated personal identifiers must be excluded.

Experian has failed to implement reasonable procedures to ensure accuracy. 
XXXX. XXXX XXXX XXXX, XXXX, GA XXXX This is a completely unfamiliar address. It is not connected to any known residence, employment, or financial activity of mine.

Violation of FCRA 1681e ( b ) inaccurate personal information contributes to misrepresentation. 
NEGATIVE ACCOUNTS WITH REPORTING ISSUES XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : This account is reporting late payments that are inaccurate and not backed by proper verification. 
Violation : FCRA 1681s-2 ( b ) Furnishers must correct inaccurate info upon dispute.

I was under forbearance during the period of alleged delinquency due to financial hardship protections. These late payments should not exist. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2500.00} Issue : Late payments reported without sufficient validation. I requested detailed billing and payment records which were never provided.

Violation : 1681i Failure to reinvestigate properly.

Experians system is clearly relying on outdated information from the furnisher. 
XXXX. XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$3600.00} Issue : Late payments are listed that I dispute as inaccurate, especially during deferment periods. 
Violation : 1681e ( b ), 1681s-2 ( b ) The inaccurate reporting during periods of deferment or administrative forbearance has severely damaged my score. 
XXXX. XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$3600.00} Status : Charge-off Issue : This charge-off account was previously disputed due to fraudulent or unauthorized usage, and I requested an investigation. No evidence or billing contract was provided. 
Violation : 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ) The charge-off is unverified and continues to affect my credit unlawfully. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit : {$740.00} Issue : Late payments are reported for months when the account was either not active or disputed. 
Violation : 1681e ( b ), 1681s-2 There was a billing dispute during those months. The bank failed to respond, yet Experian reported the account as late anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Status : Bankruptcy Issue : This public record appears without court documentation or direct validation. I have no bankruptcy filed under this case number or name. 
Violation : 1681c obsolete/inaccurate public record reporting Experian is reporting a damaging public record without verifying the primary source with the court. 
HARD INQUIRY DISPUTED XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry was unauthorized. I did not apply for any XXXX product during this period. 
Violation : XXXX ( c ) Permissible purpose not established XXXX inquiries should not be listed without my explicit consent or a firm offer of credit. 
CONCLUSION AND RELIEF REQUESTED : I am requesting the immediate removal and correction of all the inaccurate addresses, unverifiable late payments, unauthorized inquiries, and public record errors listed above. Experian has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by reporting unverified, incorrect, and damaging information. 
Requested Action : Delete all inaccurate addresses listed Remove/Correct all disputed accounts and inquiries Provide results of investigation and proof of verification from furnishers Enforce penalties against Experian for non-compliance These errors are severely damaging my financial standing, employment opportunities, and causing emotional distress. 
I request the CFPB to take immediate action and hold Experian accountable.

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