Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I am submitting this formal complaint against Experian for numerous FCRA and CFPB violations that have severely harmed my credit profile, caused me emotional and financial distress, and delayed my access to fair credit opportunities. Despite previous disputes and sufficient documentation, Experian has continued to report inaccurate and unverifiable information on my credit file in violation of federal law. 
Wrong Address Reporting : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Issue : This address is not associated with me in any way. I have never lived, received mail, applied for credit, nor had any legal ties to this address. Reporting an address that doesnt belong to me is a serious violation of the Fair Credit Reporting Act ( FCRA ) 602A and 607 ( b ), which requires credit bureaus to maintain accurate and verifiable information. Continued reporting of this incorrect address raises concerns of identity theft or mixed-file errors. I have disputed this before, yet Experian failed to conduct a reasonable reinvestigation in violation of FCRA 611 and CFPB guidelines on proper reinvestigation practices. This inaccurate address is enabling the association of fraudulent or unverifiable accounts with my profile and must be permanently deleted. 
Accounts with Issues : XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX  High Balance : {$630.00} Status : Collection Issue : This account is reported as a collection account which I dispute as inaccurate and unverified. I have not received any debt validation as required under 15 U.S.C. 1692g of the FDCPA. XXXX XXXX XXXX is known for purchasing time-barred and unverifiable debt. Experian has failed to provide any concrete documentation validating this debt. Reporting this without proper validation and ignoring my dispute violates FCRA 611 ( a ) and 607 ( b ). Furthermore, continued reporting of collections without a signed contract or original creditor documentation is deceptive under the CFPBs UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards. This inaccurate entry is damaging my creditworthiness and has affected my ability to obtain new lines of credit, insurance, and housing. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$850.00} Status : Collection Issue : This is another collection account that is inaccurate and unverifiable. I have never received a notice of debt, nor do I have any record of owing this alleged amount. Reporting a collection without proper documentation and consumer notification violates FCRA 611 and FDCPA 809. Furthermore, this account appears to be re-aged and reported in a way that falsely inflates its activity, which violates FCRA 623 ( a ) ( 5 ). Experian has continued to report this derogatory account despite multiple disputes and no validation from XXXX XXXX XXXX. This behavior constitutes reckless disregard for my consumer rights and is a clear breach of the duty to ensure maximum possible accuracy as mandated by FCRA 607 ( b ). 
Conclusion & Relief Sought : Experian is willfully and negligently violating my consumer rights under the FCRA and FDCPA by continuing to report inaccurate addresses and unverifiable collection accounts. These actions are causing irreparable damage to my credit file, mental peace, and financial stability. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into Experians data furnishing and reinvestigation practices. I am also requesting the following relief : 1. Permanent deletion of the inaccurate address ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) XXXX. Complete removal of the accounts : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX ) XXXX. An explanation from Experian regarding their reinvestigation process and failure to provide documentation 4. A copy of all information used by Experian to verify these accounts Experian is failing to meet its obligations under FCRA 611 ( a ), 607 ( b ), and FDCPA 809. I seek the intervention of CFPB to ensure my rights are protected and Experian is held accountable for these violations.

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