Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for their failure to correct or remove multiple inaccurate, unverifiable, and unauthorized items from my credit report. Despite previous disputes, Experian has not fulfilled its legal obligations under the Fair Credit Reporting Act ( FCRA ), causing ongoing harm to my creditworthiness and personal reputation. 

Below, I have detailed each item that remains improperly listed, along with the specific legal violations and how these inaccuracies have impacted me : XXXX XXXX XXXX XXXX, TX XXXX Issue : Inaccurate address not associated with me. 
Law Violated : FCRA 607 ( b ) Duty to maintain maximum possible accuracy. 
Complaint : I have never lived at this address. Experian has refused to remove it despite my dispute, which creates a risk of identity confusion or mixed file errors. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : False address reporting. 
Law Violated : FCRA 609 ( c ) ( 2 ), 610 Right to dispute inaccurate personal information. 
Complaint : This address has no connection to my identity. Experians continued reporting misrepresents my personal history. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Outdated and incorrect address. 
Law Violated : FCRA 610 Reinvestigation requirement after a dispute. 
Complaint : Despite notifying Experian, this address remains on file, contributing to profile contamination and possible misidentification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$14000.00} Issue : Charge-off reported without validation. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Duty to furnish accurate and complete information. 
Complaint : I have disputed this account due to its age and inconsistency, yet Experian has not provided proof of its legitimacy or removed it. Its continued presence is unjustified. 

XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$600.00} Issue : Collection account lacking debt validation. 
Law Violated : FDCPA 809 ( b ) ; FCRA 611 ( a ) Complaint : I never received a debt validation notice from the collector, yet Experian allows the item to report. This is a clear violation of my rights under the FDCPA and FCRA. 

XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$66.00} Issue : Unauthorized and unvalidated collection entry. 
Law Violated : FCRA 604 ( a ) ( 3 ) ; FDCPA 807 ( 8 ) Complaint : This debt does not belong to me and was never verified. Experian has not taken any corrective action despite my dispute. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$400.00} Issue : Collection reported with no verification. 
Law Violated : FCRA 611 ( a ) ; FDCPA 809 ( b ) Complaint : I requested validation and received nothing from the collector. Experian is in violation by continuing to report unverifiable debt. 

XXXX Inquiry XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement. 
Complaint : I did not authorize this inquiry and was not seeking credit from XXXX. This hard pull was done without my consent and is damaging my credit score. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX Issue : Unauthorized inquiry without consumer consent. 
Law Violated : FCRA 604 ( a ) Complaint : This institution ran my credit without my authorization or application for any product. Experian is accountable for ensuring all inquiries have a valid purpose and verified consent. 

Summary of Complaint : Experian has demonstrated a pattern of noncompliance with the FCRA and FDCPA, specifically in their failure to : Maintain maximum possible accuracy of personal and account information Properly reinvestigate and validate disputed accounts Remove outdated, unauthorized, or unverifiable data Confirm permissible purpose before allowing hard inquiries to post I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues, compel Experian to permanently remove the disputed data, and enforce penalties if necessary. Please notify me of all findings and corrective actions taken.

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