Consumer complaint received 2025-01-20 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: SD

Complaint narrative:
According to FCRA XXXX XXXX it is illegal to report anything on my credit report without my permission. Please remove these negative items off my report. 

Experian is also in violation of the following : 15 USC 6802 15 USC 1681b - verify the written letter giving my permission to put accounts on my credit report. 
XXXX XXXX XXXX - XXXX have no lawful authority to pass my information. 



XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number Not available Account number XXXX Recent balance {$7800.00} as of XX/XX/XXXX Status Closed. {$7800.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Account name XXXX BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$3500.00} as of XX/XX/XXXX XXXX Account charged off. {$2700.00} written off. {$3500.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Account name CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$3600.00} as of XX/XX/XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. 
Account name XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$2300.00} as of XX/XX/XXXX XXXX Account charged off. {$2300.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$48000.00} as of XX/XX/XXXX XXXX Account charged off. {$48000.00} written off. {$48000.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Error submitting dispute Account name CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$6900.00} as of XX/XX/XXXX XXXX Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Address XXXX XXXX PL ENNING SD XXXX Address identification number XXXX Residence type Single family Details Never lived there XXXX. 
Address XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Address identification number XXXX Residence type Single family Details Never lived there Furthermore, Experian will not process my disputes and advises to call into their phone line XXXX. 

These items have been disputed multiple times with it still remaining on my credit report with no further documentation on who verified it, where it was verified, which date, process of verification. 

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation and now repetitive reinvestigations of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience.

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