Consumer complaint received 2025-11-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this official complaint against Experian because my credit report contains multiple inaccurate, unverifiable, and improperly reported accounts that Experian has refused to correct or remove, despite my disputes. These errors are severely harming my creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ), and causing me ongoing financial damage. 

I am requesting assistance to ensure Experian follows the law, properly investigates these items, and removes the inaccurate accounts immediately. 

Details of the Problem- Over the past months, I have discovered several accounts on my Experian credit report that do not belong to me, are reporting incorrect balances, or are being reported illegally. I disputed these items with Experian multiple times, yet no proper investigation occurred, and the accounts were left on my report with no correction. 

Below are the accounts Experian continues to report inaccurately : XXXX. XXXX Opened : XX/XX/XXXX Balance : {$860.00} Status : Charged off Issue : I do not recognize this account, have never opened an account with this creditor, and Experian has provided no proof of ownership or verification. 

XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1000.00} Status : Closed / Past due Issue : This account contains inconsistent dates, inaccurate balance reporting, and no proof that the debt is valid or belongs to me. 

XXXX XXXX XXXX XXXX  XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Status : Charged off Issue : A second account reporting the same creditor, same date opened, with different balances. This looks like a duplicate or erroneous listing. 

XXXX. XXXX XXXX Opened : XX/XX/XXXX Balance : {$310.00} Status : Collection Issue : The written off amount and past-due amount do not match. Experian has not shown any original documentation proving this debt is valid. 

XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$410.00} Status : Collection Issue : The date of this account appears incorrect and not aligned with any account I have ever held. No verification was provided. 

XXXX. XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} Status : Collection Issue : I have no record of owing this amount, and Experian failed to provide any original signed agreement or proof that this debt belongs to me. 

How Experian Violated the Fair Credit Reporting Act ( FCRA ) Experian has failed to follow several federal requirements : 1. Failure to Conduct a Reasonable Reinvestigation Under FCRA 611, Experian must investigate any disputed information.

I submitted disputes, but Experian left all items unchanged without proving accuracy.

2. Reporting Inaccurate Information FCRA requires credit bureaus to ensure all information is accurate and verifiable. 
These accounts are neither. 
3. Failure to Provide Proof of Verification Experian never provided documentation showing I opened any of these accounts. 

4. Allowing Duplicate or Conflicting Entries The XXXX XXXX accounts appear duplicated or erroneously reported. 

5. Continuing to Report Items That Can not Be Verified If an account can not be verified, FCRA requires it be deleted immediately.

Harm and Damages Experians refusal to correct these errors is causing : Denials for housing opportunities Higher interest rates Emotional and financial stress Damage to my credit reputation Barriers to moving into stable living situations Experians negligence is directly interfering with my ability to obtain affordable credit and housing. 

I have attempted to resolve this directly with Experian, but they have ignored my disputes, failed to investigate properly, and continued reporting inaccurate information. I am now requesting XXXX  assistance to ensure compliance with the FCRA and to protect my rights as a consumer. 

Thank you for your time and help.

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