Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian for Violations of the FCRA Dear CFPB, I am filing this formal complaint against Experian Information Solutions , Inc. for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and its continuous refusal to address my disputes regarding inaccurate and unverifiable information on my credit report. 
Despite multiple attempts over the past [ timeframe, e.g., 6 months ], Experian has failed to fulfill its obligations under the FCRA to ensure the accuracy and completeness of the information they report. Below are the specific issues I have encountered : ________________________________________ 1. Failure to Remove an Outdated/Incorrect Address I have repeatedly disputed an old address that is inaccurately listed on my credit report : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian has refused to remove this address, claiming that it is " verified '' because it is tied to a negative collection account. This violates FCRA 611 ( a ) ( 1 ) ( A ), which requires Experian to perform a reasonable investigation and remove unverifiable information. Experian has not provided any documentation proving that this address is accurate or connected to a valid debt under my name.

________________________________________ 2. Refusal to Remove Inaccurate/Unverifiable Collections The following collection account ( s ) on my report are inaccurate and/or unverifiable : Collection Agency Name : XXXX XXXX Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number XXXX XXXX I have requested that Experian validate the account ( s ) as required under FCRA 609 ( a ) ( 1 ). To date, Experian has failed to provide sufficient evidence or documentation to substantiate the accuracy of these accounts. Retaining inaccurate or unverifiable information is a direct violation of FCRA 611 ( a ) ( 5 ).

________________________________________ 3. Failure to Remove Unauthorized Hard Inquiries My credit report includes several hard inquiries that I did not authorize, such as : Creditor Name : XXXX Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/year> Under FCRA 604 ( a ) ( 2 ), a hard inquiry can not appear on a credit report unless it is backed by my explicit authorization or a permissible purpose. Experian has failed to validate these inquiries or provide proof of my consent, which violates FCRA 604 ( f ). 
________________________________________ Impact on Me Experians actions ( or lack thereof ) have caused significant harm, including : Lowering my credit score, which affects my ability to secure housing, credit, or other financial opportunities.

Emotional distress caused by their negligence in investigating and resolving my disputes.

________________________________________ Resolution Requested I request that the CFPB intervene to ensure Experian does the following : 1. Immediately Remove the Outdated/Incorrect Address from my credit report.

2. Delete the Inaccurate or Unverifiable Collection Accounts as required under the FCRA.

3. Remove All Unauthorized Hard Inquiries from my credit report.

4. Provide a written explanation detailing their compliance with FCRA requirements.

________________________________________ Supporting Documentation Attached to this complaint, I have included : Copies of my dispute letters to Experian.

Responses ( or lack thereof ) from Experian.

Copies of my credit report highlighting the disputed items.

I appreciate the CFPBs assistance in holding Experian accountable for its noncompliance and ensuring that my consumer rights are upheld. 
Sincerely, XXXX XXXX