Consumer complaint received 2025-07-08 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 complaint against Experian for their continued failure to ensure the accuracy and integrity of the information being reported on my credit file, despite multiple errors that are severely impacting my creditworthiness, in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681e ( b ), 1681i, and 1681s-2 Experian has listed the following inaccurate and unauthorized addresses on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a completely incorrect and unrelated address. I have never lived at, used, or been associated with this address in any form. This creates confusion, damages my identity profile, and possibly exposes me to mistaken identity or fraud. It violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Again, this is not my address and I have never resided there nor authorized it in any capacity. It has appeared on my Experian credit file without my consent or involvement. This raises concerns about the accuracy of identity information and the possibility of identity theft or file merging errors. This violates the accuracy standard of FCRA 1681c and 1681e ( b ) In addition to these false addresses, Experian is reporting negative payment history for the following account : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/year> High Balance : {$8000.00} Late Payment I am disputing the late payment being reported on this account. I never received any notification, communication, or billing that would justify the reporting of this derogatory mark. I demand validation and proper documentation from the furnisher to support this claim. Experian has not verified this data with sufficient diligence and has continued reporting it without providing me with any proof or notification. This constitutes a violation of FCRA 1681i ( failure to reinvestigate disputed information ), 1681s-2 ( duties of furnishers ), and 623 ( duty to accurately report information ) Despite being notified of these inaccuracies, Experian has failed to correct or remove the disputed data, which is causing serious harm to my credit score, ability to obtain credit, and overall financial standing. The inclusion of wrong addresses also presents a security risk, allowing for potential confusion and cross-account errors. Experians negligence and failure to fulfill its obligations under the FCRA require regulatory intervention I am requesting that the CFPB investigate Experian for non-compliance with federal credit reporting laws and compel them to : 1. Delete the inaccurate addresses from my file immediately 2. Delete or properly verify the late payment associated with XXXX XXXX XXXX 3. Provide written proof that all reported data has been properly validated 4. Ensure these corrections are sent to all lenders and parties that accessed my report in the past 12 months I am providing documentation as needed and requesting timely resolution. If Experian fails to comply, I reserve the right to pursue additional legal remedies under FCRA 1681n for willful noncompliance

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