Consumer complaint received 2025-07-01 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:
To whom it may concern.

I am filing this CFPB complaint against Experian for willfully and negligently reporting inaccurate, incomplete, and unverifiable information on my credit report despite my repeated disputes which are still unresolved Experian has failed in its duty under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i to conduct a reasonable reinvestigation of the disputed information and continues to cause harm to my creditworthiness, financial reputation, and peace of mind XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is being inaccurately reported on my Experian credit file I have never lived at nor have any association with this address and it is clearly a case of mixed file or misreporting Experian is in violation of FCRA 15 USC 1681e ( b ) which requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information it reports Reporting an incorrect address affects the integrity of my report and causes confusion and harm when lenders or employers access my file Experians failure to remove this incorrect address after being informed indicates willful noncompliance with the FCRA and possible negligence under FCRA 15 USC 1681n and 1681o CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$450.00} Late Payment This account is reporting a late payment which I have previously disputed as inaccurate The late payment is being reported without proper verification or proof and is damaging my credit score and profile XXXX XXXX XXXX  failed to provide proper documentation to support this derogatory item Experian failed to conduct a proper investigation and continued to report this derogatory item without validating it in violation of FCRA 15 USC 1681i ( a ) which requires a reasonable reinvestigation upon notice of dispute Furthermore this inaccurate reporting is a violation of FCRA 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy and 15 USC 1681c ( a ) for potentially reporting outdated or unverifiable information I am requesting immediate deletion of this tradeline if proper verification can not be provided Experians continued reporting of inaccurate information despite being informed via multiple disputes and documentation shows willful intent or gross negligence under FCRA 15 USC 1681n I am suffering from reputational damage increased interest rates emotional distress and the denial of financial opportunities as a direct result of this inaccurate reporting I have not only written disputes directly but have also initiated investigations that remain improperly handled I request that the CFPB conduct a full investigation into Experians failure to comply with the Fair Credit Reporting Act and hold them accountable for the ongoing damage caused I am also requesting the removal of all inaccurate accounts and addresses listed above if they can not be fully verified in accordance with the law I am attaching supporting documentation where applicable and am requesting full relief including correction of my credit file removal of all unverifiable derogatory items and damages where applicable under 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