Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
. I am a survivor of XXXX XXXXXXXX and enrolled in XXXX Address Confidentiality Program ( Safe at Home ), which provides protections under the Violence Against Women Act ( VAWA ). Despite providing Experian, Equifax, and TransUnion with documentation of my Safe at Home participation, they continue to display and share outdated, dangerous addresses ( including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) on my credit reports. These addresses have been accessed through tenant screening reports and other third-party background checks. 

As a direct result, my abuserwho has an established history of harassment and retaliationwas able to locate me and has continued to actively threaten and stalk me. This has forced me to take additional security measures, including emergency relocation attempts and legal interventions, all of which have caused extreme financial and emotional strain. 

In addition : Repeated reinsertion of disputed accounts : After I disputed several inaccurate and unverifiable accounts, including XXXX XXXX XXXXXXXX XXXX, and collection accounts with XXXX XXXX XXXX XXXXXXXX XXXX, and others, the bureaus removed them temporarily only to reinsert them without providing the required notice under FCRA 1681i ( a ) ( 5 ) ( B ). This is illegal and deprives me of my right to challenge the reinserted information. 

Inconsistent data across platforms : XXXX Experian-powered credit report shows different account statuses, balances, and addresses than my Experian credit file accessed directly. For example, XXXX shows as a collection account in some reports despite being an active account in good standing. XXXX XXXX shows a charged-off balance but fails to reflect settlement and litigation pending status accurately. 

Blocked from submitting disputes online : Experian in particular prevents me from submitting new disputes, displaying errors or messages that I already disputed this despite new evidence or ongoing errors. This leaves me without a functional way to correct false information, violating my FCRA right to dispute. 

Impact on housing and financial stability : Due to these errors and the bureaus refusal to correct them, I have been repeatedly denied rental housingdespite holding a housing voucher. Landlords rely on these inaccurate reports during screening, and the reporting of outdated addresses has contributed to disqualifications. 

This situation is not only a technical violation of the FCRA but has also created real-world harm : housing insecurity, financial loss, emotional distress, and physical safety concerns. My documented medical conditions ( including XXXX XXXX ) have worsened under the stress of ongoing harassment and repeated credit denials.

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