Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am filing this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and continued reporting of inaccurate, incomplete, and unverifiable information despite previous disputes. Experian has failed to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C 1681e ( b ) and did not properly investigate or remove multiple errors even after notification, violating 15 U.S.C 1681i ( a ). These reporting issues are severely impacting my creditworthiness, causing emotional distress and financial hardship. Below are the specific items in dispute : XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never lived at this address and it does not belong to me. This is a clear case of identity misassociation or file mixing. The continued appearance of this address on my credit report is a violation of FCRA 15 U.S.C 1681e ( b ) for failing to ensure the accuracy of identifying information. 
Law Violated : 15 U.S.C 1681e ( b ), 15 U.S.C 1681i ( a ) ( 1 ) ( A ) Impact : Due to this incorrect address, creditors and automated systems may deny or flag my applications for fraud. This misreported data is damaging my credit profile and triggering adverse decisions. Experian was informed previously but failed to correct this.

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$2400.00} Status : Collection Issue : This account is being reported as a collection despite no verification of debt being provided. I have not received any documentation validating this account, and it appears to be inaccurate or potentially fraudulent. The agency has not provided a legally required notice or original creditor validation under the FDCPA. Experian failed to perform a reasonable investigation into my dispute and continued reporting this item, violating my rights. 
Law Violated : 15 U.S.C 1681i ( a ) ( 1 ), 15 U.S.C 1681e ( b ), 15 U.S.C 1692g ( b ) Impact : This collection is unjustly damaging my credit score and credibility. I have suffered denial of credit opportunities and am facing inflated interest rates due to this unverifiable and harmful reporting.

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$4200.00} Status : Collection Issue : This account is being reported as a collection without providing any proof that the debt is mine or legally collectible. I never received proper notification or validation of this debt, and Experian did not follow required reinvestigation procedures upon dispute. Furthermore, the balance and date do not match any known obligation of mine, raising serious red flags of accuracy and compliance. 
Law Violated : 15 U.S.C 1681e ( b ), 15 U.S.C 1681i ( a ), 15 U.S.C 1692g ( b ) Impact : This collection has drastically lowered my credit score, resulting in rejections from housing and financial institutions. Experian has continued reporting this derogatory information without factual validation, causing material and emotional damages.

Conclusion and Demand for Immediate Action : Experian has willfully and negligently violated the FCRA by continuing to report false and unverifiable data after notice and without conducting proper investigations. These violations have affected my financial reputation, access to credit, and emotional wellbeing. I demand that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian for these systemic compliance failures and require immediate deletion of the above-mentioned inaccurate data from my report. Additionally, I request that Experian be compelled to conduct a full audit of all related consumer data linked to my file and provide a corrected report without the errors.

I respectfully request prompt resolution and enforcement action under FCRA and related laws.

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