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: OK

Complaint narrative:
To Whom It May Concern I am submitting this complaint against Experian for its continued failure to maintain accurate and verifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. Despite prior disputes, Experian has willfully continued to report false and unverifiable information which is causing me ongoing financial and emotional harm XXXX XXXX XXXX XXXX, OK XXXX Wrong Address This address is not now, nor has it ever been, associated with me. I have never lived at this location, and it is not connected to any of my financial accounts. The reporting of this incorrect address violates FCRA 1681e ( b ), which mandates consumer reporting agencies to ensure maximum possible accuracy. It also violates FCRA 1681i, which requires reasonable reinvestigation upon dispute. The continued presence of this address creates confusion and risk of identity theft, and it severely damages the credibility of my report. I submitted a dispute before, but Experian failed to delete it or provide any documentation proving its connection to me. 
XXXX XXXX XXXX XXXX, OK XXXX Wrong Address I have never resided at this address nor have I authorized its inclusion in my consumer credit file. Its appearance on my credit report is inaccurate, misleading, and completely unverifiable. This misreporting violates FCRA 1681c-2, which permits a consumer to block false or fraudulent information, and FCRA 1681i for failure to conduct a proper reinvestigation. This entry continues to appear despite prior disputes and no evidence ever being produced to validate it. The presence of such unauthorized personal information increases my risk of fraud and identity confusion and has negatively affected decisions by lenders. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-Off High Balance : {$750.00} This account is reported as charged off, but I have previously disputed its validity. I do not recall entering into a contract with XXXX XXXX under this account number. The account is unverifiable, and Experian has failed to conduct a reasonable reinvestigation in response to my dispute. The charge-off status is damaging my credit score and is being reported without validation. This violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires reinvestigation of disputed items, and 1681s-2 ( b ), which requires data furnishers to investigate and correct inaccurate information. Furthermore, FDCPA 807 ( 8 ) is violated by communicating false credit information, including an alleged debt without verification. This inaccurate charge-off has caused me to be denied credit and face higher interest rates on auto and personal loans. Experians failure to remove or verify the legitimacy of this debt is grossly negligent and unjust. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-Off High Balance : {$3300.00} This account also appears as a charge-off and is damaging my credit report, but I have no recollection of authorizing such an account. I have already disputed this entry, yet Experian continues to report it without providing me with any proof of a signed agreement, payment history, or contract. This reporting violates FCRA 1681b, which prohibits access to a credit file without permissible purpose, and 1681e ( b ) for failing to maintain accurate and complete data. Experian also failed to fulfill its duty under 1681i ( a ) ( 5 ) by not removing unverifiable information. Additionally, under FDCPA 807, misrepresenting the legal status of the debt and continuing to report it without validation is unlawful. Because of this account, I have been denied a credit card and faced unnecessary scrutiny when applying for housing. The continued presence of this unverifiable trade line is unfair, deceptive, and harmful. 
I have submitted disputes for the above-mentioned errors and unauthorized entries, yet Experian has continuously failed to delete, investigate properly, or provide any documentation proving their accuracy or validity. Under FCRA, Experian is required to delete all unverifiable information within 30 days of the dispute unless it is verified. Their refusal to do so indicates willful non-compliance with federal consumer protection laws. As a result, I am suffering denials of credit, increased interest rates, emotional distress, and damaged financial credibility I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action against Experian for its repeated and willful violations of federal law and failure to protect consumer rights. I request a full investigation and a permanent deletion of the above inaccurate addresses and unverifiable charge-off accounts from my credit report. Experian must be held accountable for its negligent and damaging practices

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