Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian due to their repeated failure to correct multiple inaccuracies on my credit report, even after submitting a prior dispute. My initial dispute was not resolved, and as of now, the errors remain unresolved. These inaccuracies are severely affecting my creditworthiness, ability to secure housing and financial stability. The items I am disputing include wrong addresses, unverified charge-off accounts, and inaccurately reported late payments. 
Below are the detailed disputed items along with legal violations : 1. Wrong Addresses Being Reported by Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never lived at or used these addresses for any financial purpose. The presence of these unknown addresses on my credit file indicates a possible case of file-mixing or identity confusion. Under FCRA 604 & 607 ( b ), Experian is legally required to maintain accurate and verifiable consumer data. The continued reporting of false address information not only violates federal law but also exposes me to the risk of fraud and lowers my credit standing. 
XXXX. XXXX XXXX XXXX Acct : XXXX * Charge-Off * * This account is being falsely reported as a charge-off with a high balance of {$69000.00}. I never received a proper debt validation, notification of default, or legal documentation supporting this account. This violates FCRA 611 and FDCPA 809 ( a ), which mandate debt validation upon consumer request. Without proper verification, Experian has no legal right to report this derogatory item. 
XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/year> Charge-Off {$13000.00} XXXX dispute this accounts accuracy and legitimacy. I was never made aware of this debt, nor did I receive any lawful notice of delinquency. Experian is reporting this item without verified documentation, which violates FCRA 607 ( b ) and 611. This is harmful, misleading, and detrimental to my credit profile. 
XXXX. XXXX XXXX XXXX Acct : XXXX * Late Payments * * This account is reporting late payments despite my enrollment in a hardship or deferment plan during the stated period. Per CARES Act Section 4021, creditors are prohibited from reporting accounts as delinquent when consumers are under an agreement or payment plan. Experians continued reporting of these lates is deceptive and unfair.

I have tried to resolve these matters directly with Experian. However, their response was either generic or incomplete, and no proper investigation was conducted. I believe this shows willful noncompliance with FCRA procedures and a disregard for consumer rights. 
I respectfully request the CFPB to investigate this matter thoroughly. I want Experian to be instructed to immediately correct or delete all inaccurate data listed above and provide me with a clean and updated credit file.

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