Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate personal information on my credit report, specifically outdated and misleading address data that no longer reflects my actual residential history. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and it has been my sole residence. Yet Experian continues to include a previous address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, with a date linked to XX/XX/XXXX. I have never resided at a XXXX XXXXXXXX. I have never used that mailbox as a place of physical residence, and it should never have been listed as part of my identifying profile. This is not a minor clerical issueit is a violation of the Fair Credit Reporting Act and a misrepresentation of my identity on a federal level. 

Under 15 U.S.C. 1681e ( b ), Experian is legally obligated to maintain consumer information with the maximum possible accuracy. That statutory phrase does not allow for assumptions, outdated records, or casual inclusion of addresses not verified as residential. XXXX XXXX XXXXXXXX is not a residence, and continuing to associate it with my identity creates unnecessary confusion during verifications and security checks. It also contributes to mismatched data when lenders and background checkers compare my Experian report against other records, such as my drivers license, billing addresses, and employment history. It weakens the integrity of my report and causes avoidable problems that Experian is legally required to prevent. 

I filed a dispute with Experian, clearly stating that XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is my sole and current address, and requesting immediate deletion of the incorrect XXXX XXXX XXXX. Instead of acting in compliance with the Fair Credit Reporting Act, Experian dismissed the dispute with a vague and unhelpful response that the information had been verified. Verified by whom? No documentation or source data was provided. No explanation was given. This is a clear failure to meet the requirements of 15 U.S.C. 1681i ( a ), which mandates that Experian must conduct a reasonable reinvestigation of disputed informationnot merely reaffirm whats in their internal system or blindly rely on outdated third-party data. 

This erroneous address information is now interfering with my life. Ive faced verification issues, delays in financial applications, and concerns from lenders who can not reconcile the XXXX XXXX  with the rest of my identifying information. It has led to emotional stress, wasted time, and confusion with institutions that require address continuity for compliance and fraud prevention. Every time my credit report is pulled, I am forced to explain or justify why Experian is showing an address I never lived at. The continued reporting of this irrelevant and inaccurate data violates not just my consumer rightsit degrades the trust that financial institutions place in credit reporting agencies.

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