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: VA

Complaint narrative:
I am submitting this formal complaint against Experian for continuously reporting inaccurate, outdated, and unverifiable information on my consumer credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and its subparts. Despite previous dispute attempts, Experian has failed to complete a reasonable investigation or remove these erroneous and harmful items. The following entries are inaccurate and must be investigated and permanently deleted : XXXX XXXX XXXX XXXX, NC XXXX Wrong Address Issue : This address has never been associated with me. I have never lived, worked, or received mail at this location. 
Law Violated : FCRA 1681e ( b ) Experian is required to maintain maximum possible accuracy, and 1681i to investigate disputed information within 30 days. Reporting this address without verification is a direct violation.

Details : This address being listed in my report may indicate a serious error such as identity confusion, mixed file, or potential fraud. I demand its immediate removal and a reinvestigation with supporting documentation. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Wrong Address Issue : I do not reside at this address and have no connection to it. 
Law Violated : FCRA 1681e ( b ), 1681i Details : Experian is negligently continuing to report this incorrect address, damaging my credit profile and contributing to inaccurate association of accounts and personal identifiers. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Late Payment Issue : This account reflects derogatory late payment history that is not accurate. I have made on-time payments or had agreed arrangements that should not result in derogatory marks. 
Law Violated : FCRA 1681s-2 ( a ), ( b ) ; 15 U.S.C. 1681e ( b ) Details : Furnishers are obligated to report information accurately. Experian has failed to verify the completeness and correctness of this account. No proper documentation or signed records were provided as proof of delinquencies. This is damaging and unjust. 
XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$33.00} Collection Issue : This is a collection account that I do not recognize. No original creditor, contract, or validation has been provided.

Law Violated : FCRA 1681i, FDCPA 809 ( a ) ( 15 U.S. Code 1692g ) Details : Experian has reported this without verifying the debts accuracy or origin. As the FCRA and FDCPA require, unverified debt must be removed. Reporting such collection is reckless and harmful. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$470.00} Collection Issue : I do not owe this debt and no documentation has been provided. XXXX is known for reporting stale or inaccurate accounts. 
Law Violated : FCRA 1681i ( a ), 1681s-2 ; FDCPA 807 Details : I have disputed this with Experian, but no reasonable investigation was conducted. There was no verification or documentation proving this is mine. Continued reporting without validation is willful noncompliance.

Experians continued inclusion of these wrong addresses, unverifiable collections, and inaccurate payment history on my credit profile demonstrates willful non-compliance with FCRA mandates. These inaccuracies are causing financial harm, including denials for housing and credit, inflated interest rates, and reputational damage. I have suffered emotional distress due to Experian 's negligence.

Relief Sought : I am requesting the CFPB to initiate a full investigation into Experians failure to comply with federal law. I request the permanent deletion of all disputed information listed above. I also request Experian be held accountable for its failure to reasonably investigate my disputes and for allowing false information to remain on my credit profile.

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