Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is knowingly reporting false personal identifying information and illegally reinserted a previously deleted address without providing the notice required by federal law. Experian is intentionally maintaining this false address to associate and later claim verification of a newly added collection account, despite the address never belonging to me and despite receipt of my written disputes. 


Experian previously deleted an address from my credit report, confirming it was inaccurate. I have never lived at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite this prior deletion, Experian later reinserted the same address onto my credit report without providing any written reinsertion notice, as required by the Fair Credit Reporting Act. 

After reinserting this address, Experian added a new collection account and is now using that account to justify keeping the false address on my credit report. At the time the address was deleted, this collection account did not exist. Experian representatives and supervisors informed me by phone that the address can not be removed unless the collection account is removed, confirming that Experian is intentionally maintaining false personal identifying information in order to associate or later claim verification through a tradeline rather than independently verifying address accuracy. 

An address is personal identifying information, not a tradeline. A collection account can not establish residency or prove address accuracy. Credit reporting agencies have an independent duty to ensure personal identifying information is accurate and may not rely solely on furnishers to validate identity data. 

I also submitted written disputes by mail regarding the collection account. XXXX delivery confirmation shows Experian received my dispute letters on XX/XX/year> at XXXX XXXX  in XXXX, XXXX. Despite confirmed receipt, Experian claims it can not locate the letters, has not processed them, and has failed to mark the account as under dispute. Internal processing delays do not suspend statutory obligations once receipt has occurred. 

I further attempted to dispute the false address by phone. Experian refused to process an address dispute unless I disputed the collection account, even after I informed them the collection had already been disputed by mail. Experian still refused to correct or remove the false address. 


Violations of Federal Law Experians conduct violates multiple provisions of the Fair Credit Reporting Act, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  B ) Prohibits reinsertion of previously deleted information without certification of accuracy and written notice to the consumer within XXXX business days. No such notice was provided. 
15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of personal identifying information. Knowingly reporting an address I never lived at is not reasonable. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a reasonable investigation after receipt of a dispute. USPS delivery establishes receipt, yet Experian failed to process or reflect the dispute.

15 U.S.C. 1681c ( a ) ( as applied to inaccurate identification data ) Prohibits the continued reporting of inaccurate or misleading information that adversely affects consumers. 

Federal courts have consistently held that : Credit reporting agencies may not rely solely on furnishers when accuracy is challenged XXXX identifying information must be independently verified Reinsertion without notice and continued reporting of known inaccuracies constitutes unreasonable procedures and noncompliance with the FCRA

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