Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing this formal complaint against Experian for reporting inaccurate and unverifiable information on my credit report, despite multiple efforts to dispute and correct these items. This includes accounts that are reporting in error, charge-offs, collections, and hard inquiries without my consent, as well as incorrect address information. These accounts and addresses are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have exhausted all good faith efforts with Experian and the data furnishers but they continue to report inaccurate information. I am requesting a full investigation and deletion of the accounts and addresses listed below. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address This address is incorrectly reported on my Experian credit report. I have never lived at this address and have no known connection to it. Reporting an incorrect address violates FCRA Section XXXX ( b ) which mandates maximum possible accuracy. Experian has failed to verify this address and continues to associate it with my profile, causing harm and confusion. 
XXXX XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$2200.00} Charge Off This account is reported as a charge-off despite numerous attempts to obtain verification and documentation of the debt. XXXX XXXX  failed to validate this debt when requested. This violates FCRA Section 611 ( a ) ( 1 ) ( A ) as the information is not verified and Section 609 ( a ) ( 1 ) which provides the right to obtain full documentation. Additionally, failure to validate the debt as required under FDCPA Section 809 ( b ) makes continued reporting unlawful. 
XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$4500.00} Charge Off This account is inaccurately reporting a charge-off and was never properly validated by Capital One. I submitted disputes to Experian and requested an investigation under FCRA Section 611 and the account remained unchanged without any proof provided. This constitutes willful noncompliance with Section 623 ( a ) ( 3 ) of FCRA. 
XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1500.00} Charge Off This is not my account. I do not recognize this debt, and I have never held a XXXX XXXX  XXXX credit card. This may be a case of identity theft or reporting error. Experian has continued reporting this despite a dispute. Under FCRA Section 602 ( a ) and Section 607 ( b ), consumer reporting agencies must ensure accurate reporting and promptly remove unverifiable accounts. 
XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$3700.00} Charge Off This XXXX  XXXX account is being reported as charged off without any supporting documentation. I have repeatedly asked for validation and documentation, which has not been provided. This violates both FCRA Section 611 and FDCPA Section 809 ( b ). Failure to verify a debt yet continue reporting it is unlawful. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$6900.00} Charge Off This XXXX account is reporting as a charge-off, but no documentation was provided in response to my disputes. I never received proper notice or validation. Experian is in violation of FCRA Sections 607 ( b ) and 611 for reporting inaccurate and unverified data. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1200.00} Charge Off This is another account I do not recognize. I believe this is either fraudulent or an error. I never opened a credit account with XXXX. I submitted disputes, but Experian failed to conduct a reasonable investigation under FCRA Section 611 and continued reporting. This is a clear breach of my consumer rights. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$4300.00} Collection This collection account was never validated. I do not have any relationship with this collection agency and never received the required notices under FDCPA Section 809 ( a ). Despite my formal dispute, Experian has not removed this unverifiable account. This is a violation of both FCRA and FDCPA. 
XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was performed without my authorization. I never applied for any auto financing from XXXX XXXX on or near that date. This is an unauthorized hard inquiry, and continued reporting of this without my consent violates FCRA Section 604 ( a ) ( 3 ) which requires permissible purpose for pulling a credit report. 
XXXX XXXX dated XX/XX/XXXX This is another unauthorized inquiry that I did not consent to. I had no financial engagement with XXXX on or around that date. Reporting unauthorized hard inquiries violates FCRA Section 604 ( a ) ( 3 ), and Experian has failed to correct it despite my dispute. 
Experian has continuously failed to meet its obligations under the FCRA by not ensuring the accuracy, completeness, and verifiability of the data they report. I have followed the proper process by submitting disputes with supporting information, but Experian did not conduct reasonable investigations or remove the inaccurate items. I request immediate CFPB intervention to ensure these accounts and addresses are deleted from my credit report and that Experian is held accountable for willfully violating my rights as a consumer.

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