Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to formally report Experian for continued reporting of inaccurate, incomplete, and unverifiable information on my credit report. Despite prior disputes and requests for correction, Experian has failed to take appropriate action as required under the Fair Credit Reporting Act ( FCRA ). The following accounts and data entries are in violation of my consumer rights : Item XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Issue : This is an incorrect and unauthorized address.

Law : FCRA 602 ( A ), 607 ( b ) Consumer reporting agencies must ensure maximum possible accuracy. 
Story : I have never lived at this location, and its continued presence on my report suggests an identity mismatch or error. Ive previously submitted disputes, but Experian has failed to delete this address. This misrepresents my profile and places me at risk for identity complications. 

Item XXXX : XXXX # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Credit : {$0.00} XXXX XXXX  Issue : Account reported as a charge-off, but data is inconsistent high credit is {$0.00}, which is suspicious.

Law : FCRA 607 ( b ) ; Metro 2 Guidelines Data must be consistent, complete, and accurate.

Story : The account shows a charge-off status but reflects no high credit, which makes the report incomplete and questionable. I have not received documentation that proves the accuracy of this reporting. Without validation, this account must be removed. 

Item XXXX : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | XXXX : {$1100.00} XXXX XXXX Issue : Unverified collection account reported without proper debt validation.

Law : FCRA 611 ( a ) ; FDCPA 809 The burden of proof is on the furnishers to verify accuracy.

Story : This account was placed in collections, yet I never received proper notice or validation from the debt collector or the original creditor. Experian is obligated to remove unvalidated accounts after dispute if no adequate proof is provided. No such proof was furnished. 

Item XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX - XXXX XXXX ) # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$380.00} XXXX XXXX Issue : Account is being reported with a future open date, which is logically impossible.

Law : FCRA 607 ( b ) ; Metro 2 Compliance Requires logical and accurate reporting.

Story : The open date for this account is XX/XX/XXXX, a future date at the time of this complaint. This is a factual error and a failure in data integrity on Experians part. This item should be immediately deleted due to its demonstrably false nature. 

Item XXXX : XXXX  # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  Issue : Late payments being reported on an account with no balance, suggesting it was paid or closed.

Law : FCRA 611 ( a ), 607 ( b ) Reporting must be fair, accurate, and not misleading.

Story : This account has a {$0.00} balance, yet Experian continues to report late payments. A closed or settled account with no balance should not carry new derogatory remarks. This damages my credit score unjustly and must be corrected. 

Item XXXX : XXXX  # XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$630.00} * * Issue : Reporting of late payments on a recently opened account that lacks proper validation.

Law : FCRA 609 ( a ), 611 ( a ) Consumers are entitled to full account validation. 
Story : Ive requested validation for this account but received none. The lateness reporting can not be confirmed, and the account is harming my credit unfairly. Experian must either provide proof or remove it. 

Item XXXX : XXXX  # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$420.00} XXXX XXXX Issue : Inaccurate late payment history and lack of verification.

Law : FCRA 602 ( A ), 607 ( b ) Data reported must be factual and verified. 
Story : Late payments reported on this account do not match my records. Ive requested a full investigation and correction, but no documentation or proof has been provided. Experian is failing its duty to maintain accurate credit files. 

Conclusion : These errors collectively show a pattern of negligence and noncompliance by Experian. The FCRA obligates credit reporting agencies to investigate and correct disputed information within 30 days. Experian has not met this requirement, and my credit standing is being harmed as a result. 

I respectfully request that the CFPB initiate an investigation and take necessary enforcement actions to ensure Experian complies with the FCRA. I also request immediate deletion or correction of the inaccurate items listed above.

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