Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
I am filing this formal complaint against Experian due to multiple inaccurate and harmful entries on my credit report, which include wrong address reporting, accounts with false or outdated derogatory information, and collection accounts that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have caused significant damage to my financial stability and mental well-being. Below, I am listing each erroneous item along with the relevant consumer protection laws violated and the specific nature of the issue. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : This is a wrong address that I have never lived at, owned, or been associated with. Its appearance on my credit file is a severe failure on Experians part to verify and ensure the accuracy of personal identifying information under FCRA Section 607 ( b ).

Law Violated : FCRA 607 ( b ) Experian must follow reasonable procedures to assure maximum possible accuracy of the information.

FCRA 609 ( a ) ( 1 ) I have the right to know all information in my file, including the sources. 
Story : Inclusion of this wrong address raises suspicion of potential file merging or identity confusion, which increases the risk of fraud, hampers my ability to obtain credit, and reflects a breach of Experians duty under federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$45.00} | Date Opened : XX/XX/XXXX * * Issue : This account is showing late payments despite no valid notification or delinquency from my side. I have never received documentation indicating I missed any payment. 
Law Violated : FCRA 611 ( a ) Right to dispute inaccurate information and have it corrected or deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate. 
Story : This inaccurate late payment has negatively impacted my credit score. It reflects Experians failure to ensure the legitimacy of reported data, especially when theres no underlying proof of delinquency from the creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$15000.00} | Date Opened : XX/XX/XXXX * * Issue : This account is listed as a charge off, but the information is outdated and misleading. I was not provided clear and timely notice regarding the charge-off. 
Law Violated : FCRA 605 ( a ) Obsolete information such as charge-offs must not be reported beyond seven years.

FCRA 623 ( b ) Requires reinvestigation of disputed information by furnishers.

Story : The continued reporting of this charge-off without proper context or balance updates constitutes defamation of my credit character. It has made it extremely difficult for me to get approved for loans or housing. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$10000.00} | Date Opened : XX/XX/XXXX * * Issue : This account reflects late payments which I strongly dispute. I believe this is either a reporting error or failure to update corrected information. 
Law Violated : FCRA 611 ( a ) Right to accurate and timely dispute handling.

FCRA 602 ( a ) The purpose of FCRA is to ensure fair and accurate credit reporting.

Story : This entry has unfairly lowered my credit score and misrepresented my payment history. I have no knowledge of any late payment and have received no verified statement from the creditor validating this status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$23000.00} | Date Opened : XX/XX/XXXX * * Issue : Listed with late payments that I was not aware of and never received formal notification for. These entries are harmful and likely inaccurate. 
Law Violated : FCRA 623 ( a ) Duty of information furnishers to report accurately.

FCRA 611 ( a ) Right to dispute and have incorrect information removed. 
Story : I believe this is either an error or an outdated record being unfairly carried over. The lack of documentation or proof substantiating these late payments is troubling, especially considering the impact it has on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX * * Issue : This is a collection account I have no knowledge of. I was never contacted about this debt prior to it being reported to Experian. This is a direct violation of my consumer rights. 
Law Violated : FDCPA 809 ( a ) Debt collectors must send a written validation notice within five days of initial communication.

FCRA 607 ( b ) Experian failed to verify the debt before reporting.

Story : I have never received validation or breakdown of this debt, and this third-party collection has appeared without due process. It suggests an unlawful attempt to collect or pressure based on unverifiable debt. 
Summary : I am requesting immediate investigation and permanent removal of the wrong address and all inaccurate, unverifiable, or outdated accounts mentioned above from my Experian credit file. These entries violate multiple provisions under FCRA and FDCPA, and have caused real-life consequences like loan denials, increased interest rates, and emotional distress. I respectfully ask the CFPB to take strict regulatory action against Experian for their negligence and non-compliance with federal law. 
Requested Relief : Permanent deletion of all the inaccurate accounts and addresses mentioned above. 
Formal investigation into Experians practices regarding consumer data verification. 
Full damages as allowed under FCRA and FDCPA for emotional distress and credit denial due to false information.

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