Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  is reporting inaccurate, unverifiable, and outdated information on my credit file despite more than seven years of disputes. 
XXXX. XXXX XXXX XXXX XXXX Account closed XX/XX/XXXX, but still reported derogatory through XX/XX/XXXX. This exceeds the 7-year reporting limit under FCRA 1681c ( a ) ( 4 ). 
XXXX. XXXX XXXX XXXX XXXX Reported as Open collection ( {$390.00} ) with missing/ inconsistent data across bureaus and no proper verification. 
XXXX. XXXX XXXX Reported INCONSISTENT XXXX. Unauthorized Inquiries Multiple hard/soft inquiries remain on file without permissible purpose under FCRA 1681b and EFTA. 
XXXX. Personal Identifiers XXXX  continues reporting old addresses, DOB, employment, and a fraud alert against my instructions. Only my legal name XXXX XXXX should appear. 

Harm : This has caused ongoing denials, blacklisting, financial loss, emotional distress, health decline, and harm to my family and children. 

Laws Violated : FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ( 4 ), 1681b ( f ) ; FDCPA 807 ; GLBA ; EFTA ; GA O.C.G.A. 10-1-393 ( a ) ; breach of contract ; RICO.

Resolution Requested : Permanent deletion of these accounts and inquiries, removal of inaccurate identifiers and fraud alert, no reinsertion or updates without my written consent, and full verification documentation. 

XXXX XXXX All rights reserved To : Consumer Financial Protection Bureau ( CFPB ) Website : XXXX : XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Complaint Against Experian Willful Violations, Inaccurate Reporting, Unauthorized Accounts, and Patterned Misconduct Consumer Information : Name : XXXX XXXX Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Entities Involved : Experian Information XXXX XXXX XXXX Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Complaint Summary Experian has engaged in persistent, willful, and unlawful reporting practices, including : Fraud Alert Misuse : Experian placed a fraud alert on my credit report without justification or consent.

I demand immediate removal and prohibition from reapplying without written instruction from me. 

Inaccurate Accounts & Furnisher Issues : Accounts reported : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

Some accounts are unverifiable or sold to collectors without contract ( XXXX XXXX ). 

Breaches multiple FCRA provisions including 1681e ( b ), 1681i, 1681c, and 1681b.

Unauthorized Credit Inquiries : All inquiries lacking permissible purpose must be investigated and removed immediately. 

Incorrect Personal Information : Name, addresses, and DOB are incorrectly reported. Must be corrected to XXXX XXXX. Under Under the FCRA ( 15 U.S.C. 1681 ), Experian is required to maintain only accurate and permissible data. I assert that neither address should appear and give explicit instruction, Experian must either remove them or provide legal justification for keeping them.

Applicable Federal & State Laws Experians conduct constitutes willful violations of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Maximum accuracy ( 1681e ( b ) ), investigation obligations ( 1681i ), limit on reporting outdated or unverifiable info ( 1681c ), unlawful disclosure ( 1681b ).

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Reporting unverifiable accounts to collectors.

Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. Applies where unauthorized electronic debits arise from misreported accounts.

Dodd-Frank / UDAAP Unfair, deceptive, and abusive acts or practices.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. For inaccuracies affecting credit evaluation and loan terms.

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. Errors in billing and account representation.

State law Georgia Fair Credit Reporting Act, O.C.G.A. 10-1-390 et seq. Mirrors federal protections.

Common law / contract law Unauthorized account sales, negligence, and intentional infliction of emotional distress.

Patterned corporate misconduct / class-action potential Experian shows repeated, willful disregard for consumer rights, downstream sales of accounts, and potential for large-scale liability.

Requested Remedies Experian is prohibited from applying or reinstating any alerts without my written consent.

Personal Identifiers : My personal identifying information must be corrected to XXXX XXXX, and all personal identifiers must be removed, including : Date of Birth Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : All inquiries must be challenged and removed unless Experian can demonstrate a permissible purpose under FCRA 604 .

Account Accuracy : The accounts listed above are either inaccurately reported or sold to third parties ( collections ) without my knowledge, constituting breach of contract, unauthorized dissemination, and pattern corporate misconduct. 

Willful Neglect and Patterned Misconduct : Experian has demonstrated willful neglect and repeated disregard for the law, failing to respond to prior disputes within the 30-day period mandated by FCRA 611 ( a ).

Potential Class Action / Damages : Experians continued unlawful reporting exposes it to maximum statutory damages under FCRA 1681n, 1681o, and FDCPA 1692k, including actual and punitive damages.

Timeline for Response : I demand Experian comply within 3 business days. Failure to comply will result in immediate legal action in federal and state court, including claims for actual, statutory, and punitive damages.

Statement of Willfulness Experian has repeatedly ignored prior disputes and demands, demonstrating patterned, willful misconduct. Non-compliance will result in formal legal action seeking the maximum damages allowed under federal and state law.

Statement of Rights Reserved : All rights to pursue additional claims, statutory and punitive damages, and legal remedies are expressly reserved. Submission of this complaint does not waive any claims against Experian, its agents, or any third parties involved in the unauthorized sale or dissemination of my personal information. 

Submitted by : XXXX XXXX XXXX XXXX

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