Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
I am submitting this formal complaint against Experian for willfully and negligently reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal guidelines. Despite multiple attempts to have these matters corrected, Experian has failed to fulfill its legal duty to ensure maximum possible accuracy and timely resolution, causing me significant emotional, financial, and reputational harm. 
XXXX XXXX XXXX XXXX, MI XXXX Address This address is outdated and incorrect. I have not resided at this location for an extended period. Reporting this as a current or relevant address is a violation of 15 U.S. Code 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The continued presence of this address contributes to incorrect association with accounts I do not recognize. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Address I have no known connection to this address. Reporting this address on my credit report is inaccurate and misleading and suggests potential identity theft or file mixing. Experian has failed to investigate and remove this information despite disputes. This is a violation of 15 U.S. Code 1681i ( a ) which mandates reinvestigation of disputed information. 
XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Chargeoff This account is being reported as charged off despite unresolved disputes regarding payment history and balance. Experian has continued to report this account without verifying the accuracy of the data with the furnisher, violating 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Additionally, the charge-off status is inaccurate as the account was subject to dispute and possible fraud. Experian has not fulfilled its duty under 15 U.S. Code 1681s-2 ( b ) to maintain accurate information and properly reinvestigate disputed data. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account reflects late payments which are both misleading and factually incorrect. I have not received verifiable proof of these alleged delinquencies. Under 15 U.S. Code 1681e ( b ), Experian must follow reasonable procedures to ensure accuracy, and under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), they are required to delete or correct information that can not be verified. 
XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Chargeoff This account was charged off unfairly and is being reported inaccurately. I have disputed this with Experian, but no appropriate reinvestigation was completed. Under 15 U.S. Code 1681i, Experian must conduct a reasonable reinvestigation when a dispute is filed, but they have failed to provide proof of validation. Reporting this without substantiated evidence is harmful and misleading, and violates my rights under the FCRA. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is inaccurately reporting late payments. The payment history provided by the furnisher is inconsistent with my records. Experian failed to investigate and remove the derogatory mark after multiple disputes. This failure violates 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681s-2 ( b ), which requires that inaccurate information be corrected or deleted after reinvestigation. 
XXXXXXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry This hard inquiry is unauthorized. I did not apply for any credit product from XXXX XXXX on this date. Reporting an inquiry without consumer authorization violates 15 U.S. Code 1681b ( c ), which restricts access to consumer reports without a permissible purpose. 
XXXX XXXX Date : XX/XX/XXXX XXXX This inquiry was not initiated by me and is believed to be a result of unauthorized access or mistaken identity. Experian failed to validate the legitimacy of this hard inquiry, which is a breach of FCRA 604 ( a ) [ 15 U.S. Code 1681b ]. 
XXXX XXXXXXXX XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry This inquiry is unauthorized and must be removed. Experian has refused to take action even after formal disputes. This action violates 15 U.S. Code 1681b as it allows access only with consumer consent or a legitimate credit-related reason. 
In conclusion, Experian has failed in its legal obligation under the FCRA and related laws to maintain accurate credit reporting, promptly resolve disputes, and investigate unauthorized activity. The negligent and willful inclusion of inaccurate accounts, outdated addresses, and unauthorized inquiries has negatively impacted my creditworthiness, caused denials for essential services, and created undue emotional distress. I am demanding immediate deletion or correction of the above-listed information and a full reinvestigation in compliance with federal law. If not resolved, I will pursue further legal remedies as afforded to me under 15 U.S. Code 1681n and 1681o.

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