Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692c. Experian has reported multiple inaccuracies, including false accounts, incorrect balances, and inaccurate late payment records, which are negatively impacting my credit score. 

Specific Issues with My Credit Report : Incorrect Addresses : Experian has reported addresses that I have never lived at or been associated with. 

Inaccurate Account Information : XXXX  XXXX XXXX : This account changes my balance every month and charges it as a negative item. This inconsistent reporting is damaging my credit. 

XXXX XXXX : I do not have any account with this company, yet it appears on my credit report. 

XXXX XXXX : I have never had an account with this company, yet it is falsely reported on my credit. 

XXXX ( Collection Account ) : I paid my last phone bill in full and closed my account, yet XXXX reported an unpaid balance and placed it in collections. This is inaccurate and should be removed immediately. 

Incorrect Late Payment Records : XXXX XXXX ( Paid Off Last Year ) : Experian continues to report late payments on this loan, even though the loan was fully paid off. These should be removed immediately. 

Legal Violations : 15 U.S.C. 1692c Restricts the reporting of false, misleading, and inaccurate information. Experians failure to correct these errors violates my consumer rights. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Requires credit bureaus to investigate and correct inaccurate information. Experian has failed to do so.

15 U.S.C. 1681e ( b ) Mandates that consumer reporting agencies maintain accurate and up-to-date credit report information. Experian is in violation of this law.

Requested Resolution : I am requesting : Immediate removal of all incorrect addresses from my credit report. 
Deletion of the XXXX XXXX and XXXX XXXX accounts, as I have never had accounts with these companies. 
Correction of the XXXX  XXXX XXXX account, ensuring that the reported balance is accurate and does not fluctuate unfairly. 
Removal of late payments on my auto loan, as it was fully paid off last year and should not reflect any delinquencies. 
Removal of the XXXX collection account, as my final phone bill was paid in full before closing my account. 
A written statement from Experian confirming the corrections have been made. 

If Experian continues to report false information, I will explore legal action for damages under the FCRA. I expect a resolution within the legally mandated 30-day period and appreciate the CFPBs assistance in ensuring Experian complies with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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