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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Experian for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate reporting of both personal identifying information and multiple erroneous, outdated, or unverifiable accounts. These errors are severely damaging my credit profile and overall financial health. 
Despite previous disputes, Experian has failed to correct or remove inaccurate items in violation of its obligations under the FCRA. I am now seeking formal investigation and enforcement through the CFPB. 
1. Inaccurate Address Information The following addresses are being inaccurately reported on my Experian credit file. I have never lived at these addresses, nor do I have any connection to them : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Violation : These false addresses violate 15 U.S. Code 1681e ( b ), which mandates that Experian must follow reasonable procedures to assure maximum possible accuracy of the information it reports. 
XXXX. Inaccurate and Harmful Account Reporting Experian is reporting multiple accounts that are either outdated, charged off, in collection, or showing late payments, many of which are unverifiable and disputed. 
Below is a detailed list : XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Charge Off High Balance : {$370.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681s-2 ( b ) Failure to conduct proper reinvestigation after dispute. 
XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Charge Off High Balance : {$770.00} Date Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Charge Off High Balance : {$490.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681c ( a ) ( 4 ) Reporting of accounts beyond 7-year time limit. 
Violation : FCRA 1681e ( b ) Inaccurate or outdated charge-off reporting. 
FIRST XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX Issue : Charge Off High Balance : {$460.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681c Reporting information that is outdated or unverifiable. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Late Payments High Balance : {$2900.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681i Failure to reinvestigate after dispute regarding inaccurate late payments. 
XXXX Acct # : XXXXXXXX XXXX XXXX XXXX  Issue : Late Payments High Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ) Continued reporting of incorrect payment history. 
XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX  Issue : Late Payments High Balance : {$22000.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681s-2 ( b ) Failing to update inaccurate late payment information after being notified. 
XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX  Issue : Late Payments High Balance : {$35000.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681i Failure to investigate disputed late payments. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Issue : Collection High Balance : {$5600.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ) Re-aged or unverifiable collection account. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Collection High Balance : {$690.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681s-2 ( a ) Reporting inaccurate debt not validated. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Collection High Balance : {$3900.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ) Collection listed with no validation of debt. 
XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX Issue : Collection High Balance : {$17000.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681g Failure to provide full and clear source of collection item and verification. 
Summary of FCRA Violations by Experian : 1681e ( b ) Failing to ensure maximum possible accuracy 1681i ( a ) Failure to properly investigate disputes 1681c ( a ) Reporting obsolete or time-barred information 1681g Failure to clearly disclose full source and nature of collection accounts 1681s-2 ( b ) Data furnishers failed to correct after notification of inaccuracy Relief Sought : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : 1. Investigate Experians pattern of inaccurate reporting. 
2. Compel Experian to : o Immediately delete the two incorrect addresses listed above.

o Remove or correct all inaccurate account information noted.

3. Hold Experian accountable for violating multiple provisions of the FCRA.

4. Ensure I receive a corrected copy of my credit report after resolution. 
These continued reporting errors have caused me emotional distress, hindered financial opportunities, and are clearly non-compliant with federal law. 
Thank you for your prompt attention to this matter.

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