Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
I am filing this formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Despite my previous disputes and formal communications, Experian continues to report false, inaccurate, unverifiable, and outdated information on my credit report. These errors are causing me significant financial harm, emotional distress, and obstacles in obtaining credit.

Details of Violations : 1. Wrong Address Reporting ( Violation of 15 U.S.C. 1681e ( b ) ) Experian is reporting addresses that are not associated with me in any way. These addresses are incorrect and must be removed immediately as they were never my residence : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX addresses were added without verification and violate 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to assure maximum possible accuracy. 
XXXX. Accounts With Errors or Violations : XXXX XXXX XXXXXXXX * High Balance : {$2400.00} Date Opened : XX/XX/XXXX Issue : Collection account inaccurately reported and not validated under 15 U.S.C. 1692g Violation : No proper validation was provided upon dispute ; continued reporting violates 15 U.S.C. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Issue : Late Payment inaccurately reported Violation : Reporting without full investigation or verifying procedures is a violation of 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} Date Opened : XX/XX/XXXX Issue : Late Payment reported with dispute ignored Violation : Experian failed to respond XXXX reinvestigate as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   High Balance : {$720.00} Date Opened : XX/XX/XXXX Issue : Late Payment being reported despite previous payment arrangement and dispute Violation : Failure to correct after dispute XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$260.00} Date Opened : XX/XX/XXXX Issue : Late Payment was inaccurately reported Violation : Experian failed to ensure the completeness and accuracy per XXXX U.S.C. XXXX ( b ) XXXX XXXX XXXX  # XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late Payment still reporting negatively after account paid Violation : Continued inaccurate reporting post-dispute violates XXXX XXXX. XXXX XXXX. Hard Inquiries Without Authorization ( Violation of XXXX XXXX. XXXX ) The following unauthorized hard inquiries were reported without my consent, impacting my XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without a permissible purpose and violate XXXX XXXX. XXXX ( f ) Requested Relief : XXXX. Immediate deletion of the following incorrect addresses : o XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Full investigation and removal of the following inaccurate or unverified accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of results of reinvestigation and corrections per XXXX U.S.C. XXXX ( a ) ( XXXX ) Conclusion : Experian has failed to ensure the accuracy and legality of my credit report, failed to properly reinvestigate disputes, and violated multiple sections of the FCRA and FDCPA. 
I respectfully request the CFPB to take enforcement action and ensure compliance. These actions have damaged my XXXX XXXX and caused severe hardship.

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