Consumer complaint received 2025-06-20 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:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against Experian for its continued and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for reporting inaccurate, outdated, unverified, and misleading information on my credit report despite prior disputes and no adequate reinvestigation being conducted.

Background Summary Despite multiple formal disputes and requests under FCRA 611 ( 15 U.S.C. 1681i ), Experian has continued to report multiple erroneous charge-offs, collections, and inquiries. Many of these accounts do not belong to me, or were reported inaccurately in terms of balances, statuses, or dates. These entries are directly harming my ability to access credit, housing, and other essential services, and they amount to willful negligence under FCRA 616 and reckless disregard of my rights under FCRA 623. 
List of XXXX Accounts & Legal Basis for Removal XXXX. XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtatus : Charge Off High Balance : {$1800.00} Date Opened : XX/XX/XXXX Issue : This account was reported charged off without proper notice, verification, or opportunity to dispute. 
FCRA Violation : XXXX Failure to conduct reasonable reinvestigation XXXX Cited : XXXX U.S.C. XXXX ( b ) Reporting must be accurate and complete XXXX. XXXX XXXX  AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge Off High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : Reported as a charge-off without appropriate documentation or consumer validation. 
FCRA Violation : XXXX ; XXXX XXXX reporting without consumer consent Law Cited : 15 U.S.C. 1681s-2 ( b ) Furnisher duties after dispute notice XXXX. XXXX XXXX / XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$780.00} Issue : No contractual relationship proven between myself and this creditor. 
FCRA Violation : XXXX ( b ) ; XXXX Law Cited : XXXX U.S.C. XXXX Right to full disclosure and source of information XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : Duplicated charge-off entries under similar account numbers ; incorrect balance data. 
FCRA Violation : XXXX ( b ) Duplicate and conflicting information XXXX Cited : XXXX U.S.C. XXXX ( a ) ( XXXX ) Failure to correct or delete after reinvestigation XXXX. XXXX XXXX Account # : XXXX * * * * * * Status : Charge Off High Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : Same as above reported as a second duplicate entry causing confusion and score suppression. 
FCRA Violation : XXXX ( a ) ( XXXX ) ; XXXX ( a ) ( XXXX ) Inaccurate date handling XXXX Cited : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : No debt validation ; this entry appears to be fraudulent or misattributed. 
FCRA Violation : XXXX ; XXXX ( a ) ( XXXX ) XXXX Cited : XXXX U.S.C. XXXX XXXX validation rights under FDCPA ( applies if collector involved ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$2700.00} Date Opened : XX/XX/XXXX Issue : No ownership evidence of this account has been provided by Experian upon dispute. 
FCRA Violation : XXXX ; XXXX ( b ) Law Cited : XXXX U.S.C. XXXX ( c ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge Off High Balance : {$21000.00} Date Opened : XX/XX/XXXX Issue : Inaccurate delinquency dates, status reporting discrepancies, and balance inconsistencies. 
FCRA Violation : XXXX Incomplete or outdated information XXXX Cited : XXXX U.S.C. XXXX ( b ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Future open date suggests data entry fraud or synthetic reporting FCRA Violation : XXXX ( b ) ; XXXX Law Cited : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection High Balance : {$1500.00} Date Opened : XX/XX/XXXX Issue : Reported with conflicting balance and ownership details ; no dispute reinvestigation completed. 
FCRA Violation : XXXX ( b ) ; XXXX ( a ) Law Cited : XXXX U.S.C. XXXX ( XXXX ) Misleading credit reporting under FDCPA * * XXXX. XXXXXXXX XXXX XXXX XXXX Hard Inquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry ; I did not consent or initiate any application for credit with this entity on or around the date in question. 
FCRA Violation : XXXX ( c ) Permissible purpose not established Law Cited : 15 U.S.C. 1681b ( f ) Conclusion & Request for Relief Experian has willfully failed to comply with federal law. I have a legal right under the FCRA to accurate and verifiable credit reporting. I am requesting : Immediate removal of the above accounts from my credit file Full reinvestigation under FCRA 1681i Written explanation and source of each disputed item Cease-and-desist from reporting unverifiable data If these violations are not resolved swiftly, I am prepared to escalate this complaint with the Federal Trade Commission ( FTC ) , State Attorney General, and pursue civil remedies under FCRA 616 and XXXX XXXX which allows for statutory and punitive damages.

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