Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint against Experian for reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 and its relevant sections I have previously disputed these items directly with Experian, and despite my efforts, the inaccuracies remain unresolved These accounts and items are severely damaging my creditworthiness and causing me emotional and financial XXXX  I am requesting an immediate investigation and removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2700.00} Status : Charge Off Issue : This account is being inaccurately reported as a charge-off despite my repeated disputes The creditor failed to provide proper validation of the debt under 15 U.S.C 1681i Law : FCRA 1681i requires the credit bureau to delete unverifiable information after reinvestigation Story : I requested full validation from Experian and the furnisher but received no original documentation to support this negative status The charge-off is over 7 years old and should not be appearing on my credit report under FCRA 605 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1500.00} Status : Late Payment Issue : Late payments are being reported inaccurately without proof of notification or billing history under my control Law : FCRA 1681s-2 prohibits a furnisher from reporting information that is inaccurate or incomplete Story : I never received a billing notice or missed statement and I was not properly notified of due dates Experian is continuing to report this without confirming the accuracy with the furnisher XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off is being reported without any detailed breakdown or validation and appears to be in error Law : FCRA 1681i requires reinvestigation when a dispute is submitted and prohibits continued reporting of unverified information Story : I requested account-level documentation and breakdown of the charge-off amount but no supporting documentation has been provided Experian failed to properly investigate and continues to report it without evidence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$27000.00} Status : Charge Off Issue : The charge-off amount is being reported inaccurately and Experian failed to update the status despite my certified disputes Law : FCRA 1681c-2 requires credit reporting agencies to block information resulting from identity theft or error upon proper notice Story : I have submitted multiple disputes and proof that the account status was never updated or correctly calculated There are discrepancies in the amount charged off and my actual balance history No investigation summary was ever sent to me XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was made without my knowledge or consent and appears unauthorized Law : FCRA 1681b ( a ) limits the conditions under which a credit report can be accessed Story : I did not apply for any credit or authorize XXXXXXXX XXXX XXXX XXXX XXXX  to access my report on that date This inquiry is harming my credit score and was made without permissible purpose XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry appears on my report without any credit application made or authorization from me Law : FCRA 1681b ( f ) prohibits obtaining a credit report without a permissible purpose or consumer consent Story : I have never initiated a loan or credit request with XXXX XXXX or XXXX on that date or any recent time Experian failed to remove this unauthorized inquiry despite dispute I am XXXXequesting immediate deletion of these inaccurate accounts and inquiries from my credit file in accordance with the FCRA Please also provide a detailed summary of any reinvestigation performed I am filing this complaint because Experian has failed in its duty to ensure the maximum possible accuracy of consumer credit reports under FCRA 1681e ( b ) I am suffering credit denials, higher interest rates, and emotional distress due to this negligence I request the CFPB to take strict action and ensure Experian complies with federal law and removes all unverifiable and inaccurate information from my file

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