Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am filing this complaint against Experian regarding inaccurate, unverifiable, and potentially unauthorized information currently being reported on my consumer credit file. The following collection accounts continue to be reported despite serious concerns regarding accuracy, verification, and compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Balance Reported : {$1800.00} XXXX XXXX Balance Reported : {$280.00} ( Has been delete from XXXX XXXX XXXX ) I dispute the accuracy, completeness, and legal validity of these accounts. Pursuant to FCRA 1681e ( b ), Experian is required to maintain maximum possible accuracy of information contained in consumer reports. Pursuant to FCRA 1681i, Experian is required to conduct a reasonable reinvestigation when disputed information is challenged by a consumer. I have reason to believe Experian relied upon automated verification procedures rather than conducting a reasonable investigation supported by competent documentary evidence. I am requesting that Experian provide : The complete Method of Verification ( MOV ) used to verify these accounts. The name, title, and contact information of the individual or entity that verified the information. The date verification was performed. Copies of all documents reviewed during the investigation. Documentation establishing ownership of the alleged debts. Documentation establishing the authority of the collector to collect and furnish information. Complete payment histories and account-level records supporting the reported balances. Documentation supporting the reported dates, delinquency history, and account status. If Experian can not independently verify the accuracy of every material element being reported, these accounts must be deleted pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). Additionally, I dispute multiple hard inquiries appearing on my credit file, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize all of these inquiries and have not been provided evidence demonstrating a permissible purpose as required under FCRA 1681b. I request that Experian provide : Proof of permissible purpose for each inquiry. Copies of any applications allegedly submitted. Copies of any authorization bearing my signature. The exact date each inquiry was initiated. The business purpose for accessing my credit file. Documentation demonstrating compliance with FCRA 1681b. Furthermore, I recently received confirmation that my personal information was exposed in a documented data breach involving my email address and associated personal information. Due to this compromise, I have legitimate concerns regarding unauthorized access, identity misuse, and the accuracy of information being reported on my consumer file. Given the exposure of my personal information, Experian had an increased obligation to ensure maximum possible accuracy and to conduct a meaningful reinvestigation when these items were disputed. The continued reporting of disputed collection accounts and inquiries without providing competent documentary evidence raises serious concerns regarding compliance with FCRA 1681e ( b ), 1681i, and 1681b. I am requesting that Experian conduct a genuine reinvestigation of all disputed information and immediately delete any collection account or inquiry that can not be fully verified through competent documentary evidence. I also request written disclosure of the exact method used to verify each disputed item and a complete explanation of how Experian determined the information was accurate despite my dispute and documented concerns regarding compromised personal information. If Experian can not provide documentary evidence supporting the reporting of these accounts and inquiries, continued reporting would constitute the reporting of unverifiable information in violation of the Fair Credit Reporting Act. I respectfully request immediate correction or deletion of all information that can not be fully substantiated. Thank you.

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 non-monetary relief