Consumer complaint received 2025-07-04 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: MI

Complaint narrative:
I am submitting this complaint against Experian for willfully and negligently reporting inaccurate, outdated, and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, 1681e ( b ), and 1681s-2 ( b ). Despite numerous attempts to correct these inaccuracies, Experian has failed to conduct a reasonable reinvestigation or remove the false information. These reporting errors have caused me emotional distress, financial harm, and denials of credit opportunities. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : This address is inaccurately listed on my Experian credit report. I have never lived at this location, and it is not associated with me in any way. Reporting addresses that do not belong to a consumer is a direct violation of FCRA 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. This misinformation can result in mixed files, misattributed accounts, and identity confusion. I demand that Experian remove this incorrect address immediately from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$16000.00} Issue : This account is inaccurately reported with multiple late payments. I dispute the validity and accuracy of the payment history reported. I never received proper notices, and the reporting does not reflect actual payment history. This is a direct violation of 15 USC 1681i as Experian failed to reasonably investigate this dispute. It also breaches 15 USC 1681e ( b ) for failing to maintain accuracy. Furthermore, 15 USC 1681s-2 ( b ) places a duty on furnishers and credit bureaus to correct inaccurate information when a dispute is submitted, which has not been done. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Issue : This account is reported with alleged late payments that are false and damaging. I dispute the payment history and the balance reported. Experian failed to conduct a proper reinvestigation despite my attempts to notify them of the error. This is a violation of 15 USC 1681i for failing to reinvestigate and XXXX XXXX XXXX ( b ) for failing to report with maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is marked with late payments even though the balance is zero, and the account was in good standing when closed. Reporting late payments on a zero balance account without verification is misleading and harmful. Experian 's failure to verify this information constitutes a violation of 15 USC 1681i and 1681e ( b ). It also reflects a failure to meet the standard of reasonable procedures required under the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Issue : This account is being reported as charged off without proper validation or notice. I was never informed of any default or charge-off, and this negatively impacts my creditworthiness. Experian has violated 15 USC 1681i by not conducting a thorough reinvestigation, and 1681s-2 ( b ) by failing to ensure the accuracy of information furnished to them. They have also violated 1681e ( b ) by failing to maintain accurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Issue : This collection account is inaccurately reported. I have no knowledge of this debt and never received any validation or communication from the original creditor. Experian failed to verify or validate this debt per 15 USC 1681i, and is violating 15 USC 1681e ( b ) by allowing unverified and harmful data to be published on my credit profile. I also believe this debt is potentially a case of mistaken identity or identity theft. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$440.00} Issue : This account is reported as charged off, which is inaccurate. I have previously disputed this with supporting documents, yet Experian continues to report the derogatory status. This is a violation of 15 USC 1681i ( failure to reinvestigate disputed information ) and 15 USC 1681s-2 ( b ) ( failure of furnishers and CRA to correct or delete inaccurate data after dispute ). It also constitutes negligent and willful reporting under 1681n and 1681o. 
These continuous reporting failures by Experian have deeply affected my ability to secure credit, housing, and caused immense stress. Despite multiple disputes, Experian has not taken proper action to remove or validate the incorrect information. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Experian to immediately remove the inaccurate accounts and address, issue a corrected credit report, and ensure compliance with the FCRA going forward.

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