Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Experian has failed in its duty to report accurate and verifiable information on my credit file. Despite my efforts to resolve these issues through proper dispute channels, Experian has continued to report inaccurate, unverifiable, outdated, and damaging information. This has caused me financial hardship, emotional distress, and has limited my ability to secure credit, housing, and employment opportunities. I demand immediate investigation and deletion of the following erroneous items being reported by Experian. Below are the details with respective issues and laws being violated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is inaccurately reported on my Experian credit file. I have never lived at or been associated with this address. This is a direct violation of the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual Issue : Wrong address reported without validation or permissible purpose Law Violated : FCRA 607 ( b ) Reasonable procedures for maximum accuracy XXXX XXXX XXXX XXXX XXXX High Balance : {$670.00} Date Opened:XXXX Charge Off This account is being inaccurately reported as charged-off without proper validation or investigation despite prior disputes. The balance, status, and history reported are inaccurate and incomplete, and Experian failed to conduct a reasonable reinvestigation in violation of FCRA 611 [ 15 U.S.C. 1681i ] and failed to ensure accuracy as per 607 ( b ) Issue : Inaccurate charge-off status, no proper investigation or verification Law Violated : FCRA 611 Failure to reinvestigate ; FCRA 607 ( b ) Inaccurate reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment This account reports multiple late payments that are not accurate and were not validated after dispute. Experian failed to verify the authenticity of the derogatory entries and continued reporting incorrect data despite my challenge. This violates FCRA 611 and 607 ( b ) Issue : Inaccurate late payments being reported without validation Law Violated : FCRA 611 Failure to reinvestigate ; FCRA 607 ( b ) Maximum accuracy not maintained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Late Payment Experian is reporting inaccurate late payment remarks on this account which were already disputed with no evidence provided to validate the derogatory marks. This caused a drop in my credit score and is a violation of my rights under FCRA Issue : Late payments reported without supporting documentation or proper investigation Law Violated : FCRA 607 ( b ) ; FCRA 611 Failure to ensure accuracy and reinvestigate XXXX XXXX XXXX XXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off account is being reported with inaccurate status and balance information. I submitted disputes to Experian and received no proper investigation results or proof. They continue to report it without substantiation which is a breach of my rights under FCRA 611 and 609 ( a ) ( 1 ) Issue : Unverified and inaccurate charge-off details kept on file Law Violated : FCRA 611 Lack of reinvestigation ; FCRA 609 ( a ) ( 1 ) Failure to provide information used in reporting DEPT OF ED/XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment This student loan account shows late payments that are not accurate or properly validated. I disputed the information as the payment history was not consistent with my actual records. Experian has not provided any documentation to support the continued negative reporting Issue : Reporting late payments with no proof or substantiation Law Violated : FCRA 611 No reinvestigation ; 607 ( b ) Inaccuracy in reporting DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Duplicate or separate reporting of the same debt causing redundant and damaging information on my report. Both entries reflect alleged late payments with no documentation. This is misleading and a violation of FCRA 605 ( b ) and 607 ( b ) Issue : Duplicate/overlapping accounts, unverifiable derogatory reporting Law Violated : FCRA 605 ( b ) ; FCRA 607 ( b ) Failure to ensure accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection This collection account is inaccurately listed with a high balance and no supporting validation. XXXX is a debt buyer, and Experian failed to ensure that they possess accurate and verified documentation before furnishing this data. This is a clear violation of FCRA 809 ( b ) and FDCPA 807 Issue : Debt buyer collection without verification or chain of title Law Violated : FCRA 611 ; FDCPA 807 False/misleading representations XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Collection This collection account was never verified through any documents after multiple disputes. There is no validation of debt provided under 15 U.S. Code 1692g ( b ), and Experian failed to conduct an appropriate investigation as required under FCRA 611 Issue : Debt reporting without validation ; no investigation results sent to me Law Violated : FDCPA 809 ( b ) Debt validation ; FCRA 611 Failure to investigate I am requesting that the Consumer Financial Protection Bureau take immediate action and compel Experian to remove or correct the inaccurate and unverifiable accounts and address listed above. I further request that Experian be held accountable for their failure to comply with federal consumer protection laws, and that a full audit be done on my file. I reserve my right to take legal action if this matter is not resolved in a timely and compliant manner

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