Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB COMPLAINT NARRATIVE EXPERIAN XXXX XXXX Company : Experian XXXX XXXX XXXX XXXX. 
Complaint Type : Incorrect information on my credit report / failure to investigate/ data accuracy violation Date of Complaint : XX/XX/XXXX Summary of the Issue Experian XXXX XXXX a specialty credit reporting subsidiary of Experian, is reporting and maintaining inaccurate and misleading personal and credit information on my consumer file. This information has directly led to credit denials and financial harm, in clear violation of federal and California consumer protection laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), California Consumer Privacy Act ( CCPA ), and California Consumer Credit Reporting Agencies Act ( CCRAA ). 
Despite maintaining a near-perfect credit profile with all major bureaus, Experian XXXX file contains outdated, false, and misleading data elements that do not belong to me and are severely damaging my credit reputation and access to financial products. 

Details of the Violations The Experian XXXX  file contains the following categories of false and unverifiable information : Incorrect addresses not associated with my verified residential history. 
Erroneous account data including incorrect open/close dates, balances, and payment statuses. 
Demographic and employment information that is inaccurate and not sourced from verified furnishers. 
Unverified and incomplete account linkages, suggesting potential mixed-file contamination. 

These inaccuracies have resulted in unwarranted credit denials and loss of financial opportunity. 

Legal Basis The companys conduct violates multiple provisions of law, including but not limited to : FCRA, 15 U.S.C. 1681i ( a ) failure to ensure maximum possible accuracy and promptly investigate disputed data.

FCRA, 1681e ( b ) negligent or willful failure to maintain reasonable procedures for accuracy.

FDCPA, 15 U.S.C. 1692e ( 8 ) communication of false credit information known or should-have-been-known to be inaccurate.

CCPA, Cal. Civ. Code 1798.100 et seq. failure to correct or delete inaccurate personal information upon request. 
CCRAA, Cal. Civ. Code 1785.16 unlawful retention and reporting of erroneous data. 
Case law establishing liability : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) credit bureaus are liable for negligent failure to maintain accurate data and for harm caused by erroneous reporting. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) failure to reasonably investigate disputed credit data is actionable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) consumers need not show malice ; negligent inaccuracy is sufficient for damages. 

Requested Resolution I am requesting the CFPBs assistance to ensure Experian XXXX  Services : Immediately deletes and suppresses all inaccurate and unverified information from my XXXX  file. 
Confirms in writing that these items have been permanently deleted and will not be reinserted without verified consumer authorization, as required under 15 U.S.C. 1681i ( a ) ( 5 ). 
Implements compliance review and corrective action under CFPB supervisory oversight for failure to maintain reasonable accuracy controls. 
Contacts me directly through a senior compliance officer within 5 business days to verify completion. 
If Experian XXXX  fails to comply by XX/XX/XXXX, I intend to retain counsel ( XXXX XXXX, FDCPA/FCRA attorney XXXX XXXX XXXX XXXX CA ) and pursue statutory, actual, and punitive damages under the FCRA and FDCPA. 
Harm Suffered Due to Experian XXXX inaccurate reporting : I have experienced denial of legitimate credit applications despite excellent credit scores with major bureaus. 
I have incurred reputational injury, stress, and time loss attempting to correct these errors. 
I am being unfairly portrayed as a higher credit risk based solely on erroneous data XXXX  refuses to delete. 

Desired Outcome : Permanent deletion of all inaccurate data, written confirmation of correction, and regulatory enforcement to prevent recurrence. 

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation