Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information on my credit report. I submitted a formal dispute regarding multiple incorrect addresses and derogatory accounts, but Experian has failed to correct or remove the information, nor have they provided any documentation verifying the accuracy of the data. 

Despite this being my second round of dispute, Experian continues to report the following inaccurate and/or unverifiable entries : Wrong Addresses Being Reported : XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I have never lived at either of these addresses. Their presence on my credit report is a clear example of mixed file or reporting error. These must be deleted under FCRA 605 ( b ) and 607 ( b ) which require accuracy and proper identification in reporting. 

Disputed Accounts XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4100.00} Date Opened : XX/XX/XXXX Issue : Late Payments Violation : FCRA 607 ( b ) Experian continues to report derogatory information without verifying payment history or providing any documentation from the furnisher. 

XXXXXXXX XXXX  Account # XXXXXXXX XXXX  High Balance : {$850.00} Date Opened : XX/XX/XXXX Issue : Collection Account Violation : FCRA 1681e ( b ) ; FDCPA 807 No validation or verification of the debt has been provided. I never received a dunning notice or proof of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX Issue : Collection Account Violation : FDCPA 809 I was never properly contacted or given the opportunity to validate this alleged debt. Reporting such information without due process violates federal consumer law. 

Summary of Non-Compliance : Experian has failed to : Conduct a lawful and reasonable reinvestigation as required under FCRA 611 Remove unverifiable or inaccurate information under FCRA 611 ( a ) ( 5 ) ( A ) Provide documentation or sources used to verify the disputed items under FCRA 609 ( a ) Ensure the maximum possible accuracy under FCRA 607 ( b ) These violations are severely damaging my credit standing and my ability to obtain credit, housing, and employment. I have made a good-faith effort to work through Experians dispute process, but the agency is not fulfilling its legal responsibility to maintain accurate consumer reports.

Resolution Requested : I respectfully request the CFPB to : Investigate Experians failure to properly respond to my second-round dispute.

Require Experian to delete the inaccurate addresses and remove all unverifiable accounts listed above. 

Ensure Experian complies fully with its obligations under the FCRA and FDCPA. 

Provide written confirmation of the actions taken. 

Thank you for your assistance in holding Experian accountable for protecting consumer rights.

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