Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian for the continued reporting of inaccurate, incomplete, and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and related federal protections.

Despite my previous efforts and direct disputes, Experian has failed to remove the following incorrect address and several derogatory accounts that are either inaccurate, obsolete, not verifiable, or are being reported in violation of the law. 
Incorrect Address Reported XXXX XXXX XXXX XXXX XXXX, MD XXXX This address is incorrect and does not belong to me. I have no connection to this address and have submitted previous disputes with no correction. This violates FCRA 1681e ( b ), which requires Experian to maintain accurate records. 
Accounts Reported Inaccurately or Unverifiable XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} o Date Opened : XX/XX/XXXXXXXX XXXX Status : Charge Off o Violation : Account is inaccurately reported and unverifiable under FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681e ( b ). The creditor has failed to validate the debt or provide documentation supporting the charge-off. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$810.00} o Date Opened : XX/XX/XXXXXXXX XXXX  Status : Charge Off o Violation : Reporting as a charge-off without proper validation of the account. Violates FCRA 1681b and FCRA 1681e ( b ) for failure to ensure accuracy and permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$980.00} o Date Opened : XX/XX/XXXX o Status : Late Payments o Violation : This account has several inaccurate payment histories and lacks verification of the delinquency. This violates FCRA 1681i, requiring the CRA to reinvestigate disputed information. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7500.00} o Date Opened : XX/XX/XXXXXXXX XXXX Status : Charge Off o Violation : The account is obsolete and should no longer appear due to the 7-year reporting limitation under FCRA 1681c ( a ) ( 4 ). 
XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX High Balance : {$1200.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Account is recently placed and unvalidated. XXXX has a history of reporting unverifiable debts. This violates FDCPA 809 ( b ) and FCRA 1681i ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX High Balance : {$1200.00} o Date Opened : XX/XX/XXXX o Status : Collection o Violation : Debt is not mine, and the furnisher has not provided validation upon request. Experian failed to investigate properly per FCRA 1681i.

Hard Inquiries ( Unpermitted or Unauthorized ) XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX These inquiries were conducted without my authorization, and I have no accounts or business with these entities. This is a violation of FCRA 1681b ( c ) ( 1 ) ( A ), which governs permissible purpose for inquiries. Experian must remove inquiries not initiated by or authorized by the consumer.

Laws Violated by Experian FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy. 
FCRA 1681i : Duty to reinvestigate disputed information in a timely manner.

FCRA 1681c : Prohibition on obsolete information ( such as old charge-offs ).

FCRA 1681b : Permissible purposes for accessing a credit report.

FDCPA 809 ( b ) : Validation of debts by collectors.

Requested Resolution : 1. Immediate removal of the incorrect address : 923 Breakwater Dr , Annapolis, MD.

2. Deletion of all listed accounts and inquiries that are inaccurate, unverifiable, or obsolete.

3. Full reinvestigation of all disputed information as per FCRA.

4. Written confirmation of the deletion or correction.

I am requesting that the Consumer Fina
ncial Protection Bureau investigate Experians failure to comply with the law and enforce all appropriate penalties for these violations.

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