Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14500634

Complaint Overview

Complaint ID: 14500634

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Georgia

ZIP Code: 30135

Date Received: 2025-07-05T12:00:00-05:00

Date Sent to Company: 2025-07-05T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am filing this formal complaint against Experian for continued reporting of inaccurate, outdated, and unverifiable information on my consumer credit file, despite multiple attempts to have these errors corrected. These inaccurate entries are negatively impacting my credit score, financial well-being, and ability to obtain credit, employment, and housing. I am requesting immediate intervention from the Consumer Financial Protection Bureau to ensure Experian complies with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, and corrects or removes the following erroneous entries from my credit file. The information below includes inaccurate addresses and account issues that I did not authorize, recognize, or verify. The inclusion of this erroneous data constitutes gross negligence, willful violation of federal laws, and failure of Experian to maintain reasonable procedures to ensure maximum possible accuracy as required under FCRA 1681e ( b ) XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Wrong Address Issue : This address does not belong to me and is inaccurately reported on my Experian credit report. I have never lived at or been associated with this location. Reporting of this address is a violation of FCRA 1681e ( b ) which mandates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Continued reporting without verification violates my rights under FCRA 1681i ( a ), which obligates the bureau to reinvestigate disputed information within 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This is also an unauthorized and inaccurate address listed on my credit profile. I have no connection to this address. This misreporting constitutes a failure to ensure accurate and verifiable data per FCRA 1681c ( a ) ( 4 ) and FCRA 1681e ( b ). The presence of multiple inaccurate addresses suggests Experian is using third-party data that has not been verified, which is misleading and harmful to my identity and profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/scrub>XXXX Charge Off Issue : This account is reported as a charge-off which I dispute. I have not received any documentation or validation notice from the original creditor that proves this debt is accurate, valid, and owed by me. Experian has failed to validate this account under FCRA 1681i ( a ) and continued reporting constitutes a violation of my right to dispute inaccurate and unverifiable debts. Furthermore, Experian failed to ensure the accuracy and completeness of this entry as required by FCRA 1681e ( b ). Without proper investigation and documentation, this account should not be furnished on my report XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/scrub>XXXX Charge Off Issue : This account is inaccurately listed as charged off and is damaging my credit reputation. I have repeatedly requested verification of this account and documentation proving the debt belongs to me, which has not been provided. As per FCRA 1681i, Experian is required to conduct a reinvestigation within 30 days of my dispute, which was not done adequately. Additionally, this information was not verified with sufficient accuracy, violating FCRA 1681e ( b ). Without proper verification and validation, continuing to list this charge-off is a willful violation of my consumer rights and causes undue harm Experian has willfully neglected its duty to investigate and correct these issues within the required timeframe and has failed to ensure the accuracy, fairness, and privacy of information contained in my credit file. These violations have caused significant damage to my personal and financial life. I respectfully request the Consumer Financial Protection Bureau to intervene and compel Experian to remove the inaccurate addresses and the unverifiable charged-off accounts listed above from my credit report in full compliance with the Fair Credit Reporting Act. I am also requesting that Experian be held accountable for failing to maintain reasonable procedures to ensure maximum possible accuracy as mandated by federal law

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