Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for the continued and unlawful reporting of inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Despite multiple attempts to resolve these issues directly with Experian, the following entries remain inaccurately reported on my credit file. These entries are either the result of identity theft, outdated debts, inaccurate balance data, or do not meet the requirements under the law to be reported. This is causing severe harm to my creditworthiness and is obstructing my ability to secure housing, employment, and financial stability. 
Incorrect Personal Information XXXX XXXX XXXX, XXXX, TX XXXX This address is incorrect and was never associated with me. Reporting this address constitutes a violation of FCRA 15 U.S. Code 1681e ( b ) which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of consumer reports. 
Disputed Accounts and Legal Violations XXXX. XXXX XXXX XXXX Acct # XXXX * * Issue : Charge Off High Balance : {$460.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681i ( Failure to reinvestigate disputed information ), 1681s-2 ( b ) ( furnisher 's duty to investigate ), and FDCPA 807 ( 8 ) ( misleading representation of debt ). 
XXXX. XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Issue : Collection High Balance : {$450.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ), FCRA 1681i ; FDCPA 809 ( failure to validate the debt properly ). 
XXXX XXXX  XXXX XXXX Acct # XXXXXXXX XXXX XXXX Issue : Collection High Balance : {$350.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681c ( reporting obsolete information if older than 7 years ), FDCPA 808 ( unfair practices ). 
XXXX. SUNRISE CREDIT SERVICE Acct # XXXXXXXX XXXX XXXX XXXX Issue : Collection High Balance : {$380.00} Date Opened : XX/XX/XXXX Violation : FCRA XXXX ( impermissible access ), FDCPA XXXX ( false or misleading representation ). 
XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Issue : Collection High Balance : {$520.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681s-2 ( a ) ( furnishing inaccurate information knowingly ). 
XXXX. XXXX XXXX Acct # XXXX XXXX Issue : Collection High Balance : {$3700.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ) ; FDCPA 809 ( a ) ( lack of proper debt validation ). 
XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Issue : Collection High Balance : {$1200.00} Date Opened : 09/11/2024 Violation : FDCPA 807 ( 8 ), FCRA 1681c-2 ( blocking information resulting from identity theft ). 
XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Issue : Collection High Balance : {$1200.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681i and FDCPA 807 ( 2 ) ( A ) ( misrepresenting the legal status of debt ). 
XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Issue : Collection High Balance : {$350.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681e ( b ), FCRA 1681s-2 ( b ) 10. XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Charge Off High Balance : {$200.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), FCRA 1681i ( a ) 11. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Issue : Charge Off High Balance : {$340.00} Date Opened : XX/XX/XXXX Violation : FCRA 1681c ( a ) ( 4 ) ( obsolete information ), FDCPA 807 ( 10 ) ( false threat or implication ).

Legal Summary of Violations : FCRA 1681e ( b ) : Failure to maintain accurate records and reasonable procedures to assure accuracy.

FCRA 1681i : Failure to conduct a reasonable investigation after receiving notice of dispute.

FCRA 1681s-2 : Furnishing inaccurate information knowingly and failure to investigate disputed data from consumer.

FCRA 1681c : Reporting obsolete information that should no longer appear.

FDCPA 807 & 808 : False, deceptive, and unfair debt collection practices.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau immediately investigate Experians noncompliance with federal law and require them to : 1. Permanently delete all the above-referenced accounts and the inaccurate address from my credit report ; 2. Provide a full reinvestigation in accordance with FCRA procedures ; 3. Cease all unauthorized reporting or re-reporting of these items ; 4. Hold the furnishers and Experian accountable under civil liability clauses of the FCRA and FDCPA.

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