Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a written dispute and verification request to XXXX XXXX XXXX XXXX XXXX ( account ending XXXX ) concerning an Experian tradeline showing a charged-off balance of {$2700.00}. The letter, sent certified to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX ), requested verification of the account under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ) and 611 ( a ). I asked for the original signed contract, full payment history, and proof of ownership or sale of the account.

The U.S. Postal Service returned the letter marked Undeliverable Moved over 4 years ago. This confirms that the furnishers address published by Experian is invalid and has been vacant for years. Despite this, Experian continues to report the account as Charged Off / Past Due Balance {$2700.00}, last updated in XX/XX/XXXX, even though the charge-off occurred in XX/XX/XXXX. 

XXXX  also reports the same account but shows a different address for the furnisher, creating conflicting bureau data and further evidence of inaccuracy under FCRA 607 ( b ). XXXX which also reported the account, has not provided a current credit report or any verification of its data despite multiple written requests, violating its obligation under 611 ( a ) ( 1 ) to investigate and respond to consumer disputes.

Because mail to the furnisher was returned undeliverable and the address conflicts across bureaus, the tradeline is legally unverifiable under FCRA 611 ( a ) ( 5 ) and must be deleted. Continued reporting from an entity that can not be contacted or verified violates FCRA 607 ( b ) ( accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing of inaccurate information ), and 623 ( a ) ( 2 ) ( failure to update information ). Each monthly update of this charged-off account constitutes a new furnishing event and a separate violation. 

These ongoing inaccuracies have caused real harm. On XX/XX/XXXX, I applied for an apartment at XXXX at XXXX XXXX XXXX XXXX XXXXXXXX, Texas. The property management company ( RealPage / LeasingDesk Screening ) denied my application citing Credit History Unsatisfactory. The adverse action notice stated my credit score, provided by XXXX was XXXX and identified multiple delinquent or charged-off accounts as key negative factors. Those accounts are the same ones now under CFPB investigation for inaccurate reporting. 

This denial demonstrates measurable damage : loss of housing opportunity, financial cost of re-application, and reputational harmall qualifying as actual damages under FCRA 617.

Additionally, the credit bureaus have not updated or removed this unverifiable tradeline despite receiving my reinvestigation letters dated XX/XX/XXXX, which included USPS proof that the furnishers address was invalid. The continued publication of data from a defunct or conflicting address shows a breakdown of the reasonable procedures for accuracy and reinvestigation required by the FCRA. 

I request that the CFPB : 1. Require XXXX XXXX XXXX XXXX XXXX to cease furnishing any data to Experian, XXXX XXXX XXXX ; 2. Direct the credit bureaus to delete this tradeline as unverifiable under 611 ( a ) ( 5 ) ; 3. Audit and correct any other furnishers using conflicting or defunct addresses ; and 4. Refer this matter for CFPB Enforcement review as part of a broader accuracy and data-integrity investigation. 

I reserve all rights under FCRA 616617 to seek statutory and actual damages for each unlawful furnishing event if these errors are not corrected immediately

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