Consumer complaint received 2025-07-24 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: PR

Complaint narrative:
I am submitting this complaint because Experian has failed to remove multiple inaccurate and harmful items from my credit report despite my previous disputes. These errors have affected my creditworthiness, caused emotional distress, and are in direct violation of the Fair Credit Reporting Act ( FCRA ). I am reaching out to you for help in getting these issues resolved. 

First, my Experian report is showing an address that is completely wrong and has nothing to do with me. The address listed is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PR XXXX I have never lived at this address, never used it for any financial purpose, and it does not belong on my report. Despite disputing this, Experian continues to report it. This violates FCRA 607 ( b ), which requires the credit bureau to maintain only accurate information. This false address can cause confusion, and it also makes me worry about potential identity mix-ups. 

Next, there are XXXX accounts that I have disputed multiple times, but Experian has failed to properly investigate or remove them : XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7500.00} Status : Charge Off * * I dispute this charge-off account. I never received any notice of charge-off, and I have asked for proof and verification several times. To this day, Experian has not provided any original documentation from the creditor. The balance appears inflated and inaccurate. This is a violation of FCRA 611, which requires Experian to conduct a full reinvestigation, and FCRA 609 ( a ) ( 1 ), which gives me the right to request all records used to verify this item. Since they have failed to do so, this account should be deleted from my report. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Status : Charge Off * * This account is also showing as a charge-off with a very high balance. I have no record or documentation supporting this account. I have asked Experian to provide verification, including signed contracts or statements, but they have not responded with any proof. Reporting such a large charge-off without validation is deeply damaging and unjust. This again violates FCRA 609 ( a ) ( 1 ) and 611. Without verification, this item must be removed from my credit file. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment * * This account is being reported with a {$0.00} balance but still shows a late payment. This makes no sense. How can a late payment exist on an account that has no balance? This reporting is inaccurate, misleading, and affects my payment history unfairly. I have no memory of receiving any notice that I was late, and Experian has never provided any proof of delinquency. This violates FCRA 607 ( b ) and 611, which require the bureau to investigate and ensure maximum possible accuracy.

I have done everything I can from my sidedisputed these items in writing, provided my ID and address proof, and followed all proper channels. But Experian continues to report these incorrect items and has failed to carry out a meaningful reinvestigation.

I am requesting that the CFPB take immediate action and : Require Experian to remove the incorrect address from my report. 

Require Experian to delete all three accounts listed above if they can not be fully verified with supporting documentation. 

Ensure that Experian complies with FCRA laws and is held accountable for any negligence or willful non-compliance. 

This situation is extremely stressful and is affecting my ability to get approved for loans, housing, and other financial opportunities. I am attaching copies of my credit report, dispute letters, and my identity verification for your reference. 

Thank you for your time and support. I hope the CFPB will take this matter seriously and help protect my rights as a consumer.

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