Consumer complaint received 2025-07-02 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: TN

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint against Experian for multiple violations regarding inaccurate reporting, failure to reinvestigate, and willful negligence in maintaining fair and accurate consumer credit data. Despite my repeated disputes, Experian continues to report incorrect and unverifiable information on my credit file which is seriously damaging my creditworthiness, reputation, and financial stability XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This is not and has never been my address. I have no known relationship to this address. 
Law : Under FCRA Section 607 ( b ), Experian has a duty to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Reporting this inaccurate address violates that obligation Explanation : I have submitted disputes previously requesting removal of this inaccurate address, yet Experian continues to report it. This outdated or fraudulent address can lead to identity confusion and link me to accounts or collections that are not mine. The continued reporting of this address appears negligent or even malicious. It must be permanently removed from my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$17000.00} Late Payment Issue : This account is reporting multiple late payments that I have disputed previously, but no proper investigation or verification has been provided Law : Under FCRA Section 611 ( a ), a credit bureau must conduct a reasonable reinvestigation once a consumer disputes an account. Additionally, FCRA Section 623 requires furnishers of information to report data accurately Explanation : I have repeatedly requested validation and investigation of these late payments. However, Experian failed to properly verify the dates and circumstances of the alleged late payments. There is no documentation proving the delinquencies occurred as claimed. This account is causing significant damage to my credit and reflects a pattern of reckless reporting and failure to verify by Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$270.00} Collection Issue : This account is reporting as a collection account without my knowledge or prior notification from the original creditor. I never received validation or verification of the debt Law : FCRA Section 809 of the FDCPA ( 15 U.S.C. 1692g ) requires that debt collectors validate debt within 5 days of first contact. FCRA Section 611 requires Experian to delete unverifiable data Explanation : I have never received notice of this debt from XXXXXXXX XXXX XXXX. I have asked Experian to provide proof of the original debt, a copy of the signed contract, or validation from the collector none of which have been provided. Reporting this collection without proper validation is a direct violation of consumer protection laws. Experian must immediately delete this unverifiable collection account Summary : Experian has failed in its legal obligation to ensure that the data reported in my file is accurate, verifiable, and updated. Experian continues to report unverified late payments, a collection that lacks validation, and an address that has no relation to me. These actions constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate correction and removal of the disputed items listed above. I reserve the right to pursue further legal action if this matter is not resolved promptly I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate Experian for willful and repeated violations of federal law. I am submitting supporting documentation and previous dispute communications for your review

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