Consumer complaint received 2025-07-03 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:
I am submitting this formal complaint against Experian for reporting inaccurate, incomplete, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my previous dispute, these errors continue to damage my creditworthiness and financial opportunities. My dispute is supported by federal law and factual inaccuracies that remain uncorrected.

XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not mine and has never been associated with me. Experian failed to conduct proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and continued reporting of this address is inaccurate and misleading, violating 15 U.S.C. 1681e ( b ) which requires Experian to ensure maximum possible accuracy of information. This error is severely affecting my credit applications and must be removed immediately. 
XXXX Account # : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  XXXX XXXXXXXX XXXX XXXX This account is inaccurately reporting late payments. I never received any bills or communication indicating delinquency. Experian failed to verify the accuracy of this information before including it in my report, violating FCRA 15 U.S.C. 1681e ( b ). The late payment entry is causing financial harm and emotional distress. I demand immediate correction or deletion of this erroneous entry. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  This charge-off is inaccurate and unverified. I requested documentation to validate the accuracy of this account and the amount, which was not provided. Reporting this account without complete verification is a violation of 15 U.S.C. 1681i. It also contradicts the principle of maximum possible accuracy per 15 U.S.C. 1681e ( b ). This derogatory mark is preventing access to credit and housing and must be removed. 
XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Late Payment XXXX XXXX This account is being reported with repeated late payments that I contest. I was under financial hardship during the COVID-19 period, and no assistance or forbearance options were offered. Experians failure to verify or consider this context while continuing to report late payments without updated review violates 15 U.S.C. 1681i ( a ). This is damaging and unfair. I request removal or full reinvestigation. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Charge Off * * This charge-off is reported twice in the same Experian file and is inaccurate. The account was settled through a third-party collection process, and any remaining balance or charge-off status is incorrect. Experian has violated 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) by not verifying updated account resolution status. I request removal or correction immediately. 
XXXX Account # : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  XXXXXXXX XXXX XXXX This collection entry is a duplicate and is being reported more than once in my file. It creates confusion and falsely inflates the perception of my debt. This is in direct violation of FCRA 15 U.S.C. 1681e ( b ), which requires Experian to maintain accurate and non-duplicative records. Repeated entries of the same collection is misleading and must be deleted immediately. 
Duplicate Reporting : XXXX  Account # : XXXXXXXX XXXX XXXX Late Payment ( Duplicate Entry ) XXXX XXXX This account is listed multiple times with the same information, creating the appearance of more delinquency than actually exists. FCRA requires accuracy and non-duplication under 15 U.S.C. 1681e ( b ). This duplicate entry is a serious violation and I request immediate correction and deletion of the redundant listing. 
Duplicate Reporting : XXXX XXXX XXXX Account # : XXXX Charge Off ( Duplicate Entry ) XXXX XXXX This account is repeated more than once in the file, suggesting duplicate charge-offs. This harms my score unfairly and misrepresents my financial history. Experian is required under 15 U.S.C. 1681i ( a ) to reinvestigate and eliminate such duplicate derogatory data. I demand removal of all duplicate entries. 
Duplicate Reporting : XXXX  Account # : XXXXXXXX XXXX Collection ( Duplicate Entry ) XXXX XXXX This collection account appears twice in my credit report. Duplicate reporting exaggerates my credit risk profile and damages my credibility with lenders. This is inaccurate and must be corrected under F

CRA 15 U.S.C. 1681e ( b ). I ask for prompt deletion of the duplicate entry and investigation of reporting procedures. Final Statement These ongoing inaccuracies, including the false address, duplicate accounts, unverified charge-offs, and misleading late payments, show a clear pattern of negligence and failure to comply with FCRA requirements by Experian. I have already submitted a previous dispute, and no adequate resolution has been made. This continued reporting of inaccurate and unverified information is causing substantial damage to my credit and mental distress. I respectfully request the Consumer Financial Protection Bureau to intervene and ensure Experian corrects or deletes these items per law.

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