Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding Experians continued failure to maintain accurate information on my credit report and its refusal to delete or correct clearly erroneous dataeven after a formal dispute was filed. 

Despite submitting a written dispute to Experian in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Sections 1681e ( b ), 1681i, and 1681s-2, the agency has failed to delete, correct, or adequately investigate the following inaccurate and damaging items : Wrong Addresses ( Not Associated With Me ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These addresses are completely unfamiliar to me. I have never lived at nor used these locations for any purpose. They appear to be erroneously linked to my file, violating the accuracy provisions of FCRA 1681e ( b ). 

Inaccurate or Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4600.00} Late Payment * * These accounts contain either inaccurate late payments, unverifiable charge-offs, or inconsistent reporting that Experian has failed to reinvestigate properly. I submitted my dispute with clear requests for verification or deletion. Under FCRA 1681i, Experian is required to conduct a reasonable investigation within 30 days, but they failed to do so.

In some cases, the balances show XXXX  but are still marked as charge-offs, which violates Metro 2 reporting standards and further proves the data is unreliable and misleading.

Summary of Experians Non-Compliance : Failed to maintain accurate personal identifiers under FCRA 1681e ( b ) Failed to conduct a proper reinvestigation under FCRA 1681i ( a ) Continued to report unverifiable information in violation of FCRA 1681s-2 ( b ) Resolution Requested : CFPB investigation into Experians handling of my disputes. 

Immediate deletion of the disputed addresses and accounts listed above.

An updated copy of my Experian credit report reflecting the deletions.

Assurance that Experian will implement proper dispute-handling procedures.

Restitution or civil penalties if Experian is found in violation of my consumer rights. 

I am attaching a copy of my original dispute letter to Experian, the disputed credit report entries, and a government-issued ID for identity verification. 

Thank you for your attention and assistance in holding Experian accountable. I look forward to a prompt and fair resolution.

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