Consumer complaint received 2025-07-08 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: WA

Complaint narrative:
I am filing this formal complaint against Experian for its continued reporting of multiple inaccurate, incomplete, and unverified items on my credit report despite my formal dispute under the Fair Credit Reporting Act ( FCRA ). Experian has failed to follow reasonable procedures to ensure the maximum possible accuracy of my consumer file as required under FCRA 1681e ( b ), and has not provided verification of the disputed information under 1681i ( a ). 

Specifically, Experian is reporting a charge-off account from XXXX # XXXX XXXX XXXX XXXX XXXX with a balance of {$2300.00} opened on XX/XX/XXXX. I have never received any legally binding agreement, contract, or billing statement validating this debt. This violates FCRA 1681e ( b ) and FDCPA 809 ( b ).

Experian is also reporting a collection from XXXXXXXX XXXX XXXX ( original creditor XXXX XXXX  at XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$2500.00}. I was never notified of this debt, nor was I given any opportunity to dispute or validate it. This violates FCRA 623 ( a ) ( 5 ) and FDCPA 807 ( 8 ). 

XXXX ( original creditor XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX is listed as a collection account opened on XX/XX/XXXX with a balance of {$2800.00}. This debt has not been validated and appears to be re-aged, which is a deceptive practice and a violation of FCRA 623 ( a ) ( 5 ). 

XXXX XXXX ( original creditor XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX is reporting a medical collection account opened on XX/XX/XXXX with a balance of {$6800.00}. This debt was reported before the required 180-day waiting period for medical collections, and I have never received an Explanation of Benefits or itemized billing. This is a clear violation of FCRA 602 ( a ) and CFPB guidelines regarding medical debt. 

Experian is also reporting an unauthorized inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not initiate any application or give written consent for this inquiry. This is a violation of FCRA 604 ( a ) ( 2 ), which prohibits access to a consumer 's credit report without permissible purpose. 

Additionally, Experian is reporting multiple addresses on my credit file that are not mine and have no association with me : XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is false personal data that violates FCRA 602 and 607 ( b ) and poses a risk of misidentification and fraud.

I have previously disputed these inaccuracies with Experian and demanded reinvestigation and deletion of all unverifiable data. Experian has either failed to respond appropriately or continues to maintain these inaccurate items without providing evidence of their accuracy. Therefore, I request that the Consumer Financial Protection Bureau investigate Experian 's failure to comply with federal law and take enforcement action as necessary. I also request that Experian be compelled to remove all disputed items that remain unverified and provide confirmation of the corrections.

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