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: TX

Complaint narrative:
I am writing to formally file a complaint against Experian for continued reporting of inaccurate personal information and derogatory accounts on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, specifically Sections 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

Despite my prior dispute attempts and clear documentation proving the inaccuracies, Experian has failed to delete or correct the following : Incorrect Addresses Reported by Experian : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is not and has never been my address. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a misreported or incorrect variation of an address never associated with me. 
Violation : According to FCRA 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy. Reporting addresses not belonging to me violates this obligation.

Incorrect/Derogatory Accounts Reported : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$410.00} Date Opened : XX/XX/year> Issue : Reported as Charge-Off I have never defaulted on this account and dispute the charge-off status. No notice of acceleration, default, or validation was ever provided to me in accordance with the law. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3600.00} Date Opened : XX/XX/year> Issue : Incorrectly reported as Charge-Off This account is disputed. The creditor failed to validate the debt per my request, violating my consumer rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3400.00} Date Opened : XX/XX/year> Issue : Reported as Charge-Off No proper notice was sent, and the account was placed into charge-off without proper investigation. 
Violations of Law ( For All 3 Accounts ) : FCRA 1681i ( a ) : Experian must investigate disputed information within 30 days. No such meaningful reinvestigation occurred.

FCRA 1681s-2 ( b ) : Data furnishers must investigate and correct disputed information. Yet, these inaccurate charge-off statuses persist.

FCRA 1681e ( b ) : Failing to ensure accuracy before reporting.

Summary of Harm : Due to Experian 's failure to correct these inaccuracies, I have suffered : Denial of credit and housing opportunities Emotional distress Financial harm due to higher interest rates and negative scoring impact Resolution Requested : I respectfully request the CFPB to : 1. Investigate Experians failure to maintain accurate and verifiable reporting.

2. Direct Experian to delete all the incorrect addresses listed.

3. Direct Experian to immediately delete or correct the derogatory charge-off entries for the above-listed U.S. Department of Education accounts . 
XXXX. Ensure full compliance with the FCRA, including documentation of all reinvestigation efforts.

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