Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate and harmful information being reported by Experian on my consumer credit report. Despite my previous efforts to dispute and resolve these errors, Experian has failed to conduct proper investigations and continues to report unverifiable, incomplete, or inaccurate data which is causing ongoing harm to my financial well-being and reputation. I am requesting immediate reinvestigation and permanent deletion of the following inaccurate items under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX High Balance : {$0.00} Charge off Issue : This account is being reported as a charge-off with no balance owed which raises serious questions about its accuracy and validity. A {$0.00} high balance with a charge-off status is contradictory and suggests inaccurate reporting. Furthermore, I have no recollection of authorizing this tradeline or receiving validation from the creditor. This violates FCRA 15 USC 1681e ( b ) for failing to assure maximum possible accuracy. Law : FCRA 15 USC 1681e ( b ), 1681i ( a ), FDCPA 809 ( b ) ( 15 USC 1692g ) XXXX XXXX XXXX XXXX XXXX Date XXXX High Balance : {$1400.00} Charge off Issue : This XXXXXXXX XXXX account is being reported as charged off without proper validation or documentation to support the accuracy of the information. I have not been provided proof of liability or a detailed accounting breakdown, and the continued reporting without verification is a violation of my rights. Additionally, I never received proper notice regarding charge-off actions as required under federal law. Law : FCRA 15 USC 1681i ( a ), 1681b, 1681e ( b ) ; FDCPA 809 ( b ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX High Balance : {$27000.00} Late Payment Issue : This tradeline reports multiple late payments that I do not acknowledge and are not accurate. I have formally disputed this, yet Experian continues to report it without evidence or resolution. Reporting outdated or inaccurate delinquencies negatively affects my creditworthiness and is a violation of FCRA guidelines. There was no proper investigation or revalidation. Law : FCRA 1681s-2 ( b ), 1681i ( a ), 1681e ( b ) ; FDCPA 807 ( 8 ) XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX High Balance : {$300.00} Charge off Issue : XXXX  is reporting this account as charged off when I have no record of delinquency or any communication from the creditor prior to this reporting. No documentation was provided and no investigation was properly conducted by Experian despite previous dispute attempts. This entry is unverifiable and damaging to my credit profile. Law : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) XXXX XXXX XXXX Inquiry XXXX Issue : This hard inquiry is listed without my consent or permissible purpose under the law. I never authorized XXXX XXXX or its affiliated XXXX XXXX to access my credit file on this date or any surrounding period. The presence of this inquiry constitutes an unauthorized access and is a violation of FCRA 1681b ( c ), 1681b ( f ), and 1681e ( a ). Law : FCRA 1681b ( c ), 1681b ( f ), 1681e ( a ) Experian has failed to meet its legal obligations under FCRA 15 U.S.C. 1681i by not performing a reasonable reinvestigation of disputed items. Under 15 U.S.C. 1681e ( b ), Experian is required to ensure maximum possible accuracy, which it has failed to do. Additionally, allowing unverifiable and inaccurate information to remain on my credit report despite formal disputes shows negligence and non-compliance with the law. These repeated violations have caused me emotional distress, denial of credit, increased interest rates, and reputational damage. I request the CFPB to compel Experian to delete or correct all disputed information and to provide documentation of any verification attempts. I request damages for ongoing harm and a full investigation into Experians failure to uphold federal consumer protection laws.

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