Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am filing this formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reinsertion and continued reporting of inaccurate, unverifiable, and outdated information on my credit report, despite multiple disputes and direct attempts to have these accounts properly investigated and corrected. 

Despite multiple disputes to Experian, they have failed to fulfill their obligation under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable investigation. I have repeatedly notified them that several accounts, addresses, and inquiries being reported are inaccurate, incomplete, and do not belong to me. However, Experian has either ignored my dispute entirely or responded with generic templates without actually validating or verifying the data with original furnishers. 

Incorrect Personal Information : Issue : Wrong Addresses Listed on My Experian Report XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Law Violated : FCRA 609 ( a ) ( 1 ) Right to accurate and complete disclosure FCRA 607 ( b ) Duty to maintain maximum possible accuracy Story : I have never lived at these addresses. These entries are not linked to any of my legitimate financial activities or identification records. Including these wrong addresses associates me with fraudulent or mismerged data. These inaccuracies can lead to misattributed debts or increased risk of identity fraud. Experian has failed to perform due diligence in ensuring personal identifiers on my file are correct and verified. 

Inaccurate Accounts : Each of the following accounts has been either falsely reported, contain incorrect information, or have not been verified according to FCRA procedures : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment XXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Charge-Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX  Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law Violated XXXX FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable investigation FCRA 609 ( a ) ( 1 ) Right to see sources of information FCRA 623 Duty of furnishers to report accurate information Story : Many of these accounts were disputed due to discrepancies in balance, opening dates, and payment histories that do not match my records. Several of these charge-offs and collections were not even opened by me. When I contacted the original creditors, they were either unable to validate the debt or had no record of my association. For example, XXXX XXXX XXXX accounts appear to be duplicates and possibly a result of debt buyers reporting the same account multiple times. Despite disputing with Experian, they continue to report these without a proper reinvestigation. 

Experian has not provided me with proof of verification from the furnishers, which they are legally obligated to do. By continuing to report inaccurate information without proper verification, they are willfully causing harm to my credit profile and financial opportunities. 

Unverified Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Law Violated : FCRA 604 Permissible Purpose FCRA 607 ( a ) Reporting only with a valid reason Story : These inquiries were made without my knowledge or consent. I did not authorize any applications for auto financing or credit from these companies. The reporting of unauthorized inquiries violates my rights under FCRA and creates a misleading impression of excessive credit seeking. This directly impacts my credit score and makes it harder for me to get legitimate financing.

Relief Requested : I am requesting the CFPB to take immediate action and require Experian to : Remove the three inaccurate addresses from my credit report. 

Remove or properly investigate all XXXX accounts listed above as they contain discrepancies or are unverifiable. 

Delete the four unauthorized inquiries as they were made without permissible purpose or consent.

Provide me with full documentation of any verification Experian claims to have received, as per FCRA 609 ( a ) ( 1 ).

Impose penalties or sanctions on Experian for willful noncompliance and repeated FCRA violations.

Conclusion : I have suffered harm to my credit score, emotional distress, and denial of financial opportunities as a result of Experians gross negligence. I respectfully request that the Consumer Financial Protection Bureau intervene and assist in resolving this matter. 

Thank you for your time and attention to this issue.

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