Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
I am submitting this complaint against Experian for their continued failure to accurately report and investigate false and damaging information on my credit report despite previous disputes. Experian is in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i for failure to conduct a reasonable reinvestigation of the information I disputed and 15 U.S. Code 1681e ( b ) for failing to maintain maximum possible accuracy in the information they furnish. I am requesting CFPB 's assistance to hold Experian accountable for their negligence and force immediate correction and deletion of the inaccurate information outlined below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is falsely reported on my credit report and I have never resided at or been associated with this location. Reporting inaccurate address information violates 15 U.S. Code 1681e ( b ) which requires Experian to maintain the maximum possible accuracy of consumer information. This address may be the result of a mixed file or identity confusion and is causing significant confusion and harm to my creditworthiness. Despite previous disputes, Experian has continued to report this address which is gross negligence on their part. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Balance : {$780.00} Charge Off This account is inaccurately reported as charged off and is damaging my credit profile. I have disputed this account due to discrepancies in the balance, date of first delinquency, and the fact that the charge-off status is not properly validated. Experian has failed to conduct a reasonable investigation as required under FCRA 15 U.S. Code 1681i. Additionally, Experian is violating 15 U.S. Code 1681b by including unverified and harmful data on my report without permissible purpose. This account is negatively impacting my ability to access credit, housing, and employment. The continued reporting of this account despite lack of verification and inaccurate reporting standards indicates willful noncompliance with federal law and a pattern of negligence. 
Experian has continued to allow unverified, inaccurate, and harmful data to appear on my report even after I provided sufficient evidence and formally disputed the information. They have failed their duty under the FCRA to conduct a reasonable and good faith reinvestigation and to ensure that any information reported is accurate and up to date. Their ongoing reporting of false information is not only negligent but reckless, and it is harming me financially and emotionally. I respectfully request that the CFPB conduct a full investigation into Experians noncompliance with the Fair Credit Reporting Act and require them to delete the inaccurate address and charge-off account listed above. I also request that CFPB consider sanctions and monitoring for repeated failure to follow federal law.

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