Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am filing this complaint due to multiple inaccurate and unverified collection accounts that are being reported by Experian on my credit report. These accounts are causing serious harm to my credit profile, and Experian has failed to provide any verification or documentation that proves these debts are accurate or even mine. I was never contacted by the original creditors or the debt collectors prior to the reporting of these accounts, and I did not receive any debt validation notices as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). Additionally, Experian is in violation of the Fair Credit Reporting Act ( FCRA 1681i and 1681e ( b ) ) by failing to ensure the maximum possible accuracy of the information they report. 

The following accounts are in dispute : XXXX XXXX XXXX | Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$3500.00} * * SPRINGOAKCAP | Acct # : XXXX * | Date Opened : XX/XX/XXXX | Balance : {$2200.00} * * PORTFOLIO XXXX | Acct # : XXXX * * * * * * * * | Date Opened : XX/XX/XXXX | Balance : {$520.00} * * EASTERNACCOS | Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$200.00} * * EASTERNACCOS | Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$270.00} * * PORTFOLIO XXXX | Acct # : XXXX * * * * * * * * | Date Opened : XX/XX/XXXX | Balance : {$250.00} * * The account from XXXX XXXX XXXX was never disclosed to me before appearing on my report. I have never received any communication from this company and was not given a chance to validate or dispute the alleged debt. Under FCRA 1681b, credit reporting must have a permissible purpose, and under FCRA 1681i, any item disputed by a consumer must be verified with supporting documentation. I requested this from Experian and received no proof no signed agreement, no itemized statement, and no collection notice.

The account reported by XXXXap ( Acct # : XXXX * ) is similarly unfamiliar. This account was never validated and was placed on my credit report without any prior communication or notice. Experian is responsible for ensuring the accuracy and integrity of the information it publishes, yet no verification has been provided in this case. This violates FCRA 1681e ( b ). 

XXXX XXXX is reporting two accounts : one opened on XX/XX/XXXX for {$520.00} and another opened on XX/XX/XXXX for {$250.00}. These appear to be duplicate or re-aged listings of the same debt, designed to artificially inflate the damage to my credit score. Re-aging a debt is illegal under FCRA 1681c, and duplicative reporting is misleading and harmful. Experian is responsible for identifying such inaccuracies and removing them, but they have failed to do so. 

XXXX is reporting two accounts using the same account number ( XXXX ) and the same open date ( XX/XX/XXXX ), but with two different balances : {$200.00} and {$270.00}. This is clearly a duplicate entry that creates confusion and harm. I have never received any communication from this company or any documentation proving I owe these debts. This again violates FDCPA 809 ( a ) and FCRA 1681e ( b ). 

Despite disputing these accounts directly with Experian, I have not received any legally required validation documents or satisfactory results. These accounts remain on my credit report, damaging my ability to access credit, housing, and employment. I feel that my rights as a consumer are being violated repeatedly and that Experian is not fulfilling its legal obligation to investigate or remove unverified and inaccurate data. 

What would be a fair resolution to this issue? 

I am requesting the immediate deletion of all the accounts listed above from my Experian credit report, as they can not be verified in compliance with the FCRA and FDCPA. I am also requesting that Experian provide me with written confirmation of the investigation and a revised copy of my credit report reflecting the deletions. If the accounts are not deleted, I request that each furnisher provide full legal validation, including signed contracts, itemized billing statements, and documentation of ownership or collection rights.

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