Consumer complaint received 2025-07-01 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 writing to formally dispute numerous inaccuracies and errors in my Experian credit report, which have severely damaged my creditworthiness and financial reputation. Despite my efforts to resolve these issues, Experian continues to report incorrect information including late payments, charge-offs, collections, and incorrect addresses. These reporting errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 602, 607, 609, 611, and 623, which mandate accurate reporting, proper investigation of disputes, and consumer rights to dispute inaccurate data.

Below, I list each disputed account and address with specific issues and relevant legal grounds for your consideration. 
XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Experian is reporting an incorrect address linked to my credit file. This inaccurate address misleads lenders and other users, causing confusion regarding my identity and residency status. It also creates a risk of misattributed debts or identity theft. This inaccurate reporting leads to a material misrepresentation of my credit profile, impacting credit decisions unfairly. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to have accurate identifying information reported on my credit report. Additionally, FCRA 611 ( a ) ( 1 ) mandates that credit reporting agencies must promptly conduct a reasonable reinvestigation upon dispute and correct or remove inaccurate data. Failure to update or remove incorrect addresses violates these provisions and subjects Experian to liability.

Narrative : Despite repeated disputes and notifications to Experian, this incorrect address remains on my file. This inaccuracy not only confuses creditors but also puts my personal security at risk. By failing to ensure accurate address information, Experian is in breach of their legal duty and has caused me emotional distress and financial harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$19000.00} Issue : Experian reports late payments on this account that I dispute as inaccurate. There has been no substantiated evidence or verification from the creditor supporting these late payments.

Law : Per FCRA 611 ( a ), a credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes information. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information. Continuing to report unverifiable late payments violates these requirements. 
Narrative : These inaccurately reported late payments have unfairly damaged my credit score and financial reputation. Experians failure to validate this information despite my dispute is a clear violation of my consumer rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$190000.00} Issue : The late payments reported are inaccurate and unverified. Experian has neglected to perform a reasonable reinvestigation despite my dispute. 
Law : FCRA 611 ( a ) ( 1 ) requires a credit reporting agency to conduct a reasonable investigation of disputed information. Additionally, FCRA 607 ( b ) requires maximum possible accuracy in reporting.

Narrative : The continued reporting of these unverified late payments has caused unjust damage to my creditworthiness and financial opportunities. Experians noncompliance with FCRA mandates reflects negligence and disregard for consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$1600.00} Issue : Charge-off status is incorrectly reported and has not been validated after dispute. 
Law : Under FCRA 623, furnishers and credit reporting agencies must report accurate and verified information. Reporting unverified or incorrect charge-offs violates this obligation.

Narrative : Misrepresenting this account as charged off has caused undue harm to my credit profile. Experians failure to investigate or correct the error after dispute violates federal law and damages my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1900.00} Issue : Charge-off status is reported inaccurately without adequate validation or explanation. 
Law : FCRA XXXX requires credit reporting agencies to reinvestigate disputed information and remove inaccuracies. 
Narrative : This inaccurate charge-off reporting unfairly lowers my creditworthiness. XXXX failure to comply with reinvestigation requirements is harmful and unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$3600.00} Issue : Charge-off on this account is inaccurately reported and unverified. 
Law : FCRA XXXX and XXXX protect consumers from inaccurate reporting and require reinvestigation upon dispute. 
Narrative : This inaccurate charge-off damages my credit reputation. Experians neglect to correct or remove this error despite dispute is a violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2700.00} Issue : Late payments reported are inaccurate and unverified. 
Law : FCRA XXXX requires reasonable investigation of disputed items. 
Narrative : The continued inaccurate reporting of late payments harms my credit unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$510.00} Issue : Late payments reported inaccurately and without verification. 
Law : FCRA XXXX requires accurate and verified reporting. 
Narrative : These inaccurate late payments misrepresent my payment history, unjustly lowering my XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$2400.00} Issue : Late payments reported without proper verification. 
Law : FCRA XXXX requires reinvestigation after dispute. 
Narrative : XXXX failure to correct these errors causes unjust credit damage. 
XXXX XXXX Account Number : XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$4500.00} Issue : Charge-off inaccurately reported. 
Law : FCRA XXXX requires accurate furnishers and reporting. 
Narrative : This erroneous charge-off harms my credit unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$5800.00} Issue : Charge-off status inaccurately reported. 
Law : FCRA XXXX mandates correction of inaccurate information. 
Narrative : XXXX negligence has harmed my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$7500.00} Issue : Charge-off inaccurately reported. 
Law : FCRA XXXX and XXXX. 
Narrative : Failure to correct these errors harms my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$53000.00} Issue : Charge-off status inaccurately reported. 
Law : FCRA XXXX requires accurate reporting. 
Narrative : Inaccurate charge-off reporting has damaged my credit unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : XXXX * * Issue : Incorrect charge-off reported. 
Law : FCRA XXXX and XXXX. 
Narrative : This unverified charge-off has caused unjust harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$2100.00} Issue : Charge-off inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Inaccurate charge-off damages my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1300.00} Issue : Charge-off inaccurately reported. 
Law : FCRA XXXX and XXXX. 
Narrative : Failure to correct causes credit damage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$30000.00} Issue : Late payments inaccurately reported. 
Law : FCRA XXXX. 
Narrative : These inaccuracies cause unjust harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$7700.00} Issue : Late payments inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Errors remain despite disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$44000.00} Issue : Erroneous late payments. 
Law : FCRA XXXX. 
Narrative : Continued inaccurate reporting harms credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$400.00} Issue : Collection status inaccurately reported. 
Law : FCRA XXXX and XXXX. 
Narrative : Unverified collections cause credit harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$680.00} Issue : Collection inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Erroneous collections unfairly lower credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$130.00} Issue : Collection inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Harmful inaccurate collections remain. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$5300.00} Issue : Collection status inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Credit unfairly damaged by errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$3400.00} Issue : Collection inaccurately reported. 
Law : FCRA XXXX and XXXX. 
Narrative : Failure to correct errors harms credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$2100.00} Issue : Collection status inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Errors cause unjust credit damage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$9900.00} Issue : Late payments inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Damage caused by false data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$21000.00} Issue : Late payments inaccurately reported. 
Law : FCRA XXXX. 
Narrative : Failure to reinvestigate violates the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1600.00} Issue : Collection inaccurately reported. 
Law : FCRA XXXX. 
Narrative : This error harms credit unfairly. 
Conclusion : Experians repeated failure to verify, correct, or remove inaccurate information violates multiple provisions of the Fair Credit Reporting Act. These violations have caused material harm to my creditworthiness and financial opportunities. I demand immediate and thorough reinvestigation of all disputed items, with removal or correction of all inaccuracies as required by 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