Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of inaccurate, outdated, and unverifiable information on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite my efforts to have these matters corrected, Experian has failed to meet its legal obligations under federal law to ensure the maximum possible accuracy of information reported. I am requesting immediate investigation, correction, and deletion of the following entries : Wrong Address Reporting : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never resided at this address nor authorized it to be included in my credit report. This is an inaccurate and unverifiable address that does not belong to me. 
Violation : FCRA 1681e ( b ) Experian is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. Reporting an address Ive never lived at is a failure to ensure accuracy and constitutes negligent and/or willful noncompliance. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This is another address that I have no association with whatsoever. Its inclusion in my credit file has caused confusion and may have contributed to the reporting of unrelated or fraudulent accounts. 
Violation : FCRA 1681e ( b ) Experian is failing to maintain reasonable procedures to assure accuracy. The presence of this false address compromises the integrity of my credit file. 
Account Issues : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This account has been marked as a charge-off, which I dispute. I was never properly notified, nor was a good-faith investigation conducted to verify its accuracy. 
Violation : FCRA 1681i ( a ) ( 1 ) ( A ) When a consumer disputes information, the credit bureau must conduct a reasonable reinvestigation. This entry remains uncorrected and is damaging my creditworthiness. 
XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This account is marked as charged-off, yet I was not provided proper validation, billing records, or opportunity to cure. The reporting lacks transparency and due process. 
Violation : FCRA 1681s-2 ( b ) Furnishers of information must conduct an investigation when notified of a dispute and correct inaccurate information. The continued reporting of this charge-off is unjustified and unlawful. 
XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$990.00} Date Opened : XX/XX/XXXX Late Payment * * Issue : This account reflects late payment activity that I dispute. I was never late, and no validation was provided after my dispute request. 
Violation : FCRA 1681i Experian must reinvestigate disputed data and delete unverifiable information. In this case, the negative mark is unjustified and unsupported. 
XXXX XXXX XXXX Account # XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  Issue : This account is reporting inaccurate late payment data. I made payments on time, and the reporting is harming my credit and credibility without merit. 
Violation : FCRA 1681e ( b ) and 1681i Inaccurate or outdated reporting is a violation, especially when disputes are ignored or not thoroughly investigated.

Pattern of Negligence by Experian : Experian has failed to perform reasonable investigations under FCRA 1681i after receiving my disputes. They have not corrected or removed clearly inaccurate and unverifiable data, including addresses and account information that do not belong to me or are being inaccurately reported. Furthermore, Experians failure to maintain accuracy shows willful neglect under FCRA 1681n and negligent noncompliance under FCRA 1681o. The repeated violations constitute ongoing harm to my reputation, ability to obtain credit, employment, and housing, and I demand that the CFPB hold Experian accountable for these violations. 
Requested Resolution : Immediate deletion of all inaccurate addresses that I do not recognize or authorize Comprehensive reinvestigation and deletion of all disputed account information that is inaccurate or unverifiable Full compliance with FCRA 1681e ( b ), 1681i, 1681s-2 ( b ), 1681n, and 1681o Confirmation from Experian in writing that these errors have been addressed and permanently removed from my credit file I respectfully request that the CFPB investigate this matter thoroughly and ensure that Experian complies with 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