Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Experian for its continued failure to accurately maintain and report information on my credit report, despite multiple attempts on my part to have these issues corrected. The report contains inaccurate personal information, unverified derogatory accounts, and several accounts that are being misrepresented in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Incorrect Addresses Reported ( Violation of FCRA 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never resided here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not affiliated with this location. 
These addresses are completely inaccurate, and their presence may be the result of identity confusion or mixed files. FCRA 1681e ( b ) requires Experian to follow reasonable procedures to assure maximum possible accuracy. 
Unverified and Misreported Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$8100.00} | Date Opened : XX/XX/XXXX | Status : Charge Off * * Issue : I have never entered into a contractual relationship with XXXX XXXX. No documentation has been provided to prove its validity. 
Violation : FCRA 1681i ( a ) Failure to verify disputed account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$510.00} | Opened : XX/XX/XXXX | Status : Charge Off * * Issue : Account was paid and settled. Still marked as charge-off without updated status. 
Violation : FCRA 1681c ( a ) ( 5 ) Failure to update obsolete or inaccurate information. 
XXXX. XXXX Acct : XXXX High Balance : {$2000.00} | Opened : XX/XX/XXXX | Status : Charge Off * * Issue : Fingerhut account shows inflated balance and incorrect status post closure. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishing information after notice of dispute without verification. 
XXXX XXXX XXXX XXXX  Acct : XXXX * High Balance : {$490.00} | Opened : XX/XX/XXXX | Status : Charge Off * * Issue : Charged off incorrectly while under active dispute. 
Violation : FCRA 1681i Duty to reinvestigate. 
Late Payment Misreporting ( Violation of FCRA 1681i and 1681s-2 ) XXXX. XXXX XXXX XXXX XXXX Acct : XXXX * * High Balance : {$580.00} | Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Payment was made on time. No proof provided by furnisher. 
Violation : FCRA 1681s-2 ( b ) Duty to investigate disputed information. 
XXXX. XXXX XXXX Acct : XXXX * * * * High Balance : {$310.00} | Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Account inaccurately reflects XXXX late mark without proper billing history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} | Opened : XX/XX/XXXX | Status : Late Payment * * Issue : Payments were automatic. Marked late due to system glitch. 
XXXX. DEPT OF EDXXXX XXXX XXXX | {$2300.00} | XX/XX/XXXX XXXX * | {$3900.00} | XX/XX/XXXX XXXX * | {$1100.00} | XX/XX/XXXX Issue : Forbearance and deferment periods are misreported as delinquencies. 
Collection Accounts That Are Inaccurate / Unverified XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} | Opened : XX/XX/XXXX Issue : Opened in the future? Invalid date format. Possibly fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Duplicate and unverifiable debts. No signed agreements provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$630.00} | Opened : XX/XX/XXXX * * Issue : Unknown collection. Never notified under FDCPA 15 U.S. Code 1692g. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Debt not validated ; credit reporting started before debt verification. 
Hard Inquiries Without Authorization XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Issue : I did not authorize these inquiries, nor did I apply for credit with these companies. 
Violation : FCRA 1681b Permissible purposes of consumer reports.

Legal Grounds for Dispute : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy. 
FCRA 1681i : Reinvestigation of disputed information.

FCRA 1681c : Obsolete information reporting.

FCRA 1681b : Permissible purpose for accessing credit report.

FCRA 1681s-2 : Duty of furnishers to report accurately and investigate disputes.

FDCPA 809 ( 15 U.S.C. 1692g ) : Validation of debt within 30 days of notice.

Relief Requested : 1. Immediate deletion or correction of all inaccurate, unverifiable, or outdated items. 
XXXX. Permanent removal of the inaccurate addresses listed. 
XXXX. Written explanation from Experian outlining their investigation results for each disputed item. 
XXXX. Any entity that performed a hard inquiry without my consent should be investigated and penalized. 
5. Monetary damages if willful violations are confirmed, as per FCRA 1681n and 1681o. 
I respectfully request the CFPB take immediate action to investigate Experian for their failure to comply with the above-mentioned federal laws and take appropriate enforcement action. I am prepared to provide all relevant documentation if needed.

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