Consumer complaint received 2025-07-08 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 filing this formal complaint against Experian, a nationwide consumer reporting agency, for continuing to report inaccurate, unverifiable, and harmful information on my credit report even after I submitted a proper dispute. This is my second attempt, and Experian has failed to investigate or correct the errors within the time frame required by law under the Fair Credit Reporting Act ( FCRA ). 
Below are the items that remain inaccurately reported : 1. Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX This address is completely false. I have never lived at, used, or authorized this address to be associated with me in any way. Its inclusion is misleading, deceptive, and a violation of my rights under 15 U.S. Code 1681e ( b ), which requires Experian to maintain accurate and verified information. Despite my previous dispute, Experian has continued to keep this address in my file, which puts me at risk of identity confusion or fraud. This false data has led to credit denials and misrepresentation of my personal background. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$21000.00} Status : Charge Off This charge-off is being falsely reported and has not been validated. I never received any proof of this debt, and no original documentation has been provided to support its accuracy. Reporting a charge-off without sufficient verification is a direct violation of 15 U.S. Code 1681i ( a ), which mandates consumer reporting agencies to remove unverifiable information within 30 days. This error has significantly damaged my credit score and caused emotional and financial distress. 
XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$24000.00} Status : Charge Off * * I have no confirmed knowledge of this debt, and I never received proper communication regarding this account. There has been no documentation or validation, and Experian has continued to report this as a charge-off despite my dispute. This violates 15 U.S. Code 1681s-2 ( b ), which requires furnishers and CRAs to investigate disputes thoroughly and correct or remove inaccurate information. 
Remedy Requested : I am requesting that the CFPB investigate Experian for : Failing to conduct a reasonable investigation Continuing to report false and unverifiable data Violating the FCRA by refusing to correct errors Causing harm to my creditworthiness and emotional well-being I am requesting the CFPB to require Experian to : Permanently delete the incorrect address ( XXXX XXXX XXXX ) Remove both charge-off accounts ( XXXX and XXXX ) unless they can be fully validated with documented proof Provide confirmation of the corrections made Prevent further reporting of these inaccurate items Thank you for your attention to this matter. I trust the CFPB will act promptly to enforce consumer protection laws 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