Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint against Experian for failing to maintain accurate, fair, and verifiable information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my attempts to resolve these issues directly with Experian, they continue to report erroneous and harmful information. My personal identifying information has been compromised and multiple inaccurate addresses are listed on my report that I have never resided at including XXXX XXXX  XXXX XXXX XXXX LA XXXX which is completely incorrect and must be removed under FCRA 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whose credit is being reported XXXX XXXX XXXX Acct No : XXXXXXXX XXXX XXXX High Balance : {$370000.00} Date Opened : XX/XX/XXXX Experian is reporting this account with multiple late payments which I dispute as inaccurate and unverifiable This is a violation of FCRA 1681i which mandates reinvestigation of disputed information I demand immediate verification or deletion of this entry XXXX  Acct No : XXXXXXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX This account is reported as a charge-off which is damaging my credit profile I dispute the accuracy of this charge-off Experian has failed to verify this tradeline with competent proof violating FCRA 1681e ( b ) and 1681i I request immediate deletion if proper documentation is not provided XXXX XXXX XXXX Acct No : XXXXXXXX XXXX XXXX  High Balance : {$3400.00} Date Opened : XX/XX/XXXX Experian continues to report this account as a charge-off without sufficient documentation or verification This is a violation of FCRA 1681e ( b ) and 1681i I am requesting deletion based on failure to meet the standard of maximum possible accuracy XXXX XXXX Acct No : XXXXXXXX XXXX XXXX XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX This account is inaccurately reported as a charge-off Experian has not provided verification of this entry despite prior disputes This violates my rights under FCRA 1681i I am requesting deletion or verified proof of the accuracy of this account XXXX XXXX XXXX  Acct No : XXXXXXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX Reported as a charge-off which I dispute as incorrect Experian has failed to conduct a proper reinvestigation as required under FCRA 1681i I demand the immediate removal of this inaccurate tradeline XXXX XXXX Acct No : XXXXXXXX XXXX XXXX XXXX  High Balance : {$34000.00} Date Opened : XX/XX/XXXX Experian is reporting multiple late payments on this account which are not accurate I have previously disputed this without proper resolution Violates FCRA 1681e ( b ) and 1681i I demand deletion or full verification documentation XXXX  XXXX  Acct No : XXXXXXXX XXXX XXXX High Balance : {$72000.00} Date Opened : XX/XX/XXXX This account is also reporting late payments that are not accurate Experian must follow FCRA 1681e ( b ) to maintain accurate data I request an immediate deletion if documentation proving accuracy is not provided XXXX XXXX Acct No : XXXXXXXX XXXX XXXX XXXX  High Balance : {$49000.00} Date Opened : XX/XX/XXXX Late payments on this account are reported incorrectly I dispute these entries under FCRA 1681i and 1681e ( b ) Experian has not provided verification I request deletion of this inaccurate information XXXX  XXXX Acct No : XXXXXXXX XXXX XXXX High Balance : {$4200.00} Date Opened : XX/XX/XXXX This account is marked as charge-off without proper validation Experian has failed to provide sufficient proof violating FCRA 1681e ( b ) and 1681i I demand this be removed from my report XXXX XXXX XXXX Acct No : XXXXXXXX XXXX XXXX XXXX High Balance XXXX {$2800.00} Date Opened : XX/XX/XXXX Reported as a collection account which I do not acknowledge and dispute Experian has not verified this debt with competent proof FCRA 1681i requires deletion if not verified I demand immediate removal XXXX XXXX XXXX Acct No : XXXXXXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX This collection account is inaccurate and unverifiable under FCRA 1681e ( b ) and 1681i Experian has not produced documentation of this debt I request its deletion XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my authorization and consent which violates FCRA 1681b ( c ) and must be removed immediately XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX This hard inquiry was not authorized and negatively impacts my credit score Experian is in violation of FCRA 1681b and must delete this inquiry XXXX  XXXX Inquiry Date : XX/XX/XXXX This hard inquiry is disputed as unauthorized under FCRA 1681b Experian must provide proof of permissible purpose or remove it XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX This is another unauthorized inquiry reported by Experian I dispute this under FCRA 1681b and request immediate removal These accounts and entries are severely impacting my financial reputation and are reported without full compliance with the Fair Credit Reporting Act Experian is failing in its obligation to uphold the legal standard of accuracy and reinvestigation under FCRA 1681e ( b ) and 1681i I request the CFPB to immediately investigate these ongoing violations and take corrective actions against Experian including forcing them to delete all unverifiable or inaccurate items listed in this complaint

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