Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
b'To Whom It May Concern,\nI am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act (FCRA), 15 U.S. Code 1681 et seq. Experian has continuously failed to ensure maximum possible accuracy in the reporting of my personal information and financial accounts, even after multiple disputes.\nIncorrect Address Reporting (Violation of FCRA  1681e(b))\nExperian is reporting the following inaccurate and unauthorized addresses, which do not belong to me, and I have no known connection with them:\n\tXXXX XXXX XXXX XXXX, MI XXXX\n\t(Still reporting) XXXX XXXX XXXX XXXX, MI XXXX\nThese addresses are being misattributed to me and are severely damaging my creditworthiness.\nViolation: FCRA  1681e(b)  Failure to maintain reasonable procedures to assure maximum possible accuracy.\nInaccurate Account Reporting with Late Payments, Charge-Offs, or Derogatory Statuses\nBelow are the accounts Experian is reporting inaccurately or in violation of FCRA provisions. Each account is followed by a detailed explanation of the issue and relevant law(s) violated.\n1. XXXX XXXX\nAccount #: XXXX\nHigh Balance: XXXX\nDate Opened: XXXX\nIssue: Charged off, yet I was not notified in accordance with FCRA  623. Also, there was no opportunity provided to validate or dispute the debt prior to the charge-off.\nViolations:\n\tFCRA  1681s-2(a)(1)(A): Furnishers must not report inaccurate information.\n\tFCRA  623(a)(5): Failure to report accurate date of first delinquency.\n2. XXXX XXXX XXXXnAccount #: XXXX\nHigh Balance: XXXX\nDate Opened: XXXX\nIssue: Repeated late payments have been reported despite being in dispute and contrary to payment records.\nViolations:\n\tFCRA  1681s-2(a): Reporting inaccurate data.\n\tFCRA  1681i(a): Failure to conduct a reasonable investigation.\nMultiple Inaccurately Reported Accounts  XXXX XXXX XXXX\nI have no valid or verifiable relationship with XXXX XXXX XXXX for the following multiple accounts. They are reporting duplicate or overlapping data, all reflecting derogatory status. This is severely damaging and creates confusion on my credit report.\nAccount #\tHigh Balance\tDate Opened\tIssue\nXXXX\tLate payment  Not validated\nXXXX\tLate payment  Duplicate reporting\nXXXX\tLate payment  Incorrect balance\nXXXX\tLate payment  No notice sent\nXXXX\tLate payment  Disputed\nXXXX\tLate payment  Duplicate reporting\nXXXX\tLate payment  Account unverified\nXXXX\tLate payment  Reported without proof\nXXXX\tLate payment  Balance incorrect\nXXXX\tLate payment  No written notice\nXXXX\tLate payment  Account not mine\nViolations Across These Accounts:\n\tFCRA  1681e(b): Inaccurate, unverified information.\n\tFCRA  1681i(a): Failure to investigate disputes.\n\tFCRA  623(b): Failure of data furnisher to correct and update inaccurate information.\nSummary of Violations\nExperian has violated the following sections of the Fair Credit Reporting Act (FCRA):\n\t 1681e(b): Failure to ensure maximum possible accuracy.\n\t 1681i(a): Failure to investigate consumer disputes.\n\t 1681s-2(a): Reporting information with actual knowledge of errors.\n\t 1681c: Reporting outdated negative information (some debts appear older than 7 years).\n\t 623(a)(5): Failure to accurately report the date of first delinquency.\n\t 623(b): Failure to correct and update information after notice of dispute.\nRelief Sought\nI respectfully request the Consumer Financial Protection Bureau to:\n1.\tInvestigate Experian for continued reporting of inaccurate and unverifiable information.\n2.\tInstruct Experian to delete all unverifiable and incorrect accounts, addresses, and derogatory notations listed above.\n3.\tEnsure all future reporting follows proper validation procedures under the FCRA.\n4.\tPenalize Experian for willful noncompliance if applicable.\nDeclaration:\nI certify under penalty of perjury that all the information above is true and accurate to the best of my knowledge. Documentation and prior disputes can be submitted upon request.'

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