Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
________________________________________ 1. Complaint Summary : I am filing this complaint against Experian Information Solutions , Inc. for their failure to correct and delete inaccurate, outdated, and unverifiable information on my credit report, despite a prior written dispute submitted in compliance with the Fair Credit Reporting Act ( FCRA ).

This is my second attempt to resolve these issues. Experian has failed to respond appropriately, investigate reasonably, or comply with their legal obligations under federal law.

________________________________________ 2. Details of Harmful Activity : a. Outdated and Inaccurate Personal Information My Experian report contains : Outdated aliases including : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect past addresses that I no longer live at and are no longer valid I have repeatedly requested deletion of these items, which misrepresent my identity b. Hard Inquiries Not Associated with Active Accounts Experian continues to report multiple hard inquiries from companies with whom I never opened accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others These inquiries negatively affect my credit score and were not authorized, and Experian has refused to investigate or remove them, a clear violation of 15 U.S.C. 1681i ( a ). 
c. Unverified and Derogatory Accounts Accounts reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX  remain on my file as charged-off or delinquent despite lacking : Original signed agreements Full validation of balances Proof of ownership or legal right to report These accounts were previously disputed and not properly investigated. 
________________________________________ 3. Experians Legal Failures ( Supported by CFPB Case No. 8:25-cv-24 ) Experian has : Failed to conduct reasonable reinvestigations ( violating FCRA 1681i ( a ) ( 1 ) ( A ) ) Relied solely on furnishers ACDV responses, even when contradictory ( see CFPB 5059 ) Ignored documentation and evidence I submitted Failed to inform me of results properly ( violating 1681i ( a ) ( 6 ) ) Retained inaccurate tradelines and inquiries, despite having no supporting evidence Failed to remove or flag previously deleted items reinserted by different furnishers ( violating 1681i ( a ) ( 5 ) ( C ) ) The Consumer Financial Protection Bureau itself has sued Experian for these very same practices, which mirror my experience.

________________________________________ 4. Requested Resolution : I am requesting the following actions from Experian, under CFPB supervision : 1. Permanent deletion of all outdated names, addresses, and personal information 2. Removal of all unauthorized or unverifiable hard inquiries 3. Immediate deletion of all derogatory accounts that can not be verified with supporting documentation 4. Full documentation of all dispute investigation procedures performed 5. Written confirmation of all changes made and reinvestigation results ________________________________________ 5. Supporting Documents : I am prepared to submit : A copy of my credit report My first dispute letter A second dispute letter ( attached to this complaint ) CFPB v. Experian complaint XXXX XXXX XXXX as supporting precedent ________________________________________ 6. Certification : I certify under penalty of perjury that the information in this complaint is true and accurate to the best of my knowledge.

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