Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian for failing to maintain accurate and verifiable information on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Despite multiple attempts to rectify the situation, Experian continues to report inaccurate account details and addresses that are not associated with me, causing ongoing harm to my credit profile and personal reputation. Below are the issues for your review and immediate resolution : Wrong Addresses Being Reported ( Violation of FCRA 1681e ( b ) ) 1. 5201 XXXX XXXX XXXX XXXX, SC, XXXX I have never resided at this address. 
XXXX. XXXX XXXX XXXX XXXX XXXX, SC, XXXX This address is also incorrect and not connected to me in any way. 
Issue : Reporting addresses that are unrelated to me is negligent and a violation of FCRA XXXX681e ( b ) which requires Experian to ensure maximum possible accuracy.

Law Cited : FCRA 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information ... '' Account Discrepancies and Reporting Violations XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX High Balance : {$2600.00} Status : Late Payments Issue : Late payments are reported inaccurately without providing me the opportunity to validate or dispute the payment history. I was not properly notified as per the law. 
XXXX Cited : FCRA XXXX ( a ) Failure to reinvestigate and validate disputed information in a timely manner. 
Story : I attempted to contact XXXX Bank to validate the debt and correct the record, but they failed to provide proper documentation. Experian continued reporting the delinquency without verifying accuracy. 
XXXX XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX High Balance : {$550.00} Status : Charge-Off Issue : This charge-off was not properly validated. I submitted disputes requesting verification under FCRA, but Experian failed to complete a thorough reinvestigation. 
XXXX Cited : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to delete or correct inaccurate/incomplete information after dispute.

Story : I was experiencing a hardship period during which I notified the creditor. The account was charged off without providing me dispute rights under FDCPA and FCRA. 
XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX High Balance : {$5500.00} Status : Charge-Off Issue : This account was settled through a negotiated payment in XXXX, yet Experian continues XXXX it as a charge-off. 
XXXX Cited : FCRA 1681c ( a ) ( 4 ) Information must be updated if it has changed.

Story : I have documentation of the settlement. Despite submitting proof, Experian ignored the update, damaging my credit further. 
XXXX XXXX AUTO FINANCE Account Number : XXXX Open Date : XX/XX/XXXX High Balance : {$37000.00} Status : Late Payments Issue : The late payments were due to temporary financial hardship during XXXX recovery, and I had informed the lender in writing. This is being reported without context or updated information. 
XXXX Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to provide accurate information.

Story : I was on a hardship plan and in communication with XXXX XXXX, but they failed to report the modified status correctly, and Experian failed to investigate after I disputed. 
SC XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX High Balance : {$3400.00} Status : Charge-Off Issue : No debt validation was provided for this account. I never received any notice prior to the charge-off and the creditor has not responded to multiple validation requests. 
XXXX Cited : FCRA 1681i and 15 U.S. Code 1692g ( FDCPA ) Right to debt validation and reinvestigation.

Story : I believe this account may be fraudulent or reported in error. I submitted disputes, but Experian continues to report this charge-off without confirming its accuracy. 
CREDIT CENTRAL Account Number : XXXX Open Date : XX/XX/XXXX High Balance : {$750.00} Status : Late Payments Issue : The late payments reported are incorrect. I had auto-payments set up, and payments were deducted on time. I have bank statements as proof. 
XXXX Cited : FCRA 1681e ( b ) Failure to ensure maximum accuracy.

Story : I raised multiple disputes with supporting evidence. Yet, Experian refuses to update or remove the inaccurate payment history, which continues to hurt my credit score unfairly.

Relief Requested : I respectfully request that the CFPB take immediate action and order Experian to : XXXX. Delete all inaccurately reported addresses not associated with me. 
XXXX. Conduct a full reinvestigation of all the accounts listed above.

3. Remove or correct any unverifiable, inaccurate, or incomplete information.

4. Provide me with a full summary of findings and verification from each data furnisher.

Applicable Laws Violated : FCRA 1681e ( b ) Duty to ensure maximum possible accuracy.

FCRA 1681i Reinvestigation of disputed information.

FCRA 1681c Obsolete information must not be reported.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to furnish accurate information.

FDCPA 809 ( 15 USC 1692g ) Validation of debts upon request.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure Experian complies with federal law. These errors are unjustly impacting my creditworthiness and financial well-being.

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