Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am submitting this formal complaint against Experian for their continued reporting of inaccurate, unverifiable, and misleading information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) including but not limited to Sections 602A, 607 ( b ), 609 ( a ), and 611. Despite previous disputes, Experian has failed to take corrective action or provide the necessary documentation to support the negative reporting. 

Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX, SC XXXX This address is not connected to me and is being reported inaccurately. 

XXXX XXXX XXXX XXXX, SC XXXX This is also an incorrect address and has no relation to my identity. 
Violation : Reporting inaccurate identifying information violates FCRA Sections 602A and 607 ( b ), which mandate credit bureaus to follow procedures ensuring maximum possible accuracy. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports late payments on a {$240000.00} mortgage opened on XX/XX/XXXX. I have repeatedly requested validation of the payment history and original documentation, which Experian has failed to provide. 

XXXX XXXX XXXX XXXXXXXX XXXX This account reports late payments despite showing a {$0.00} balance. Such reporting is misleading and potentially outdated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off account shows a balance of {$2400.00}. Experian has not provided original creditor documentation validating the charge-off. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An installment account opened in XXXX, showing {$0.00} balance but continues to reflect late payments, which must be validated or removed. 

XXXX XXXX XXXXXXXX A charge-off account opened on XX/XX/XXXX with a {$170.00} balance. I have disputed this account and requested verification, which has not been provided. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This account reflects late payments on a {$29000.00} balance. Experian has not validated the accuracy of these reported delinquencies. 

XXXX XXXX XXXX XXXXXXXX XXXX  Reports a charge-off with a {$0.00} balance. This contradictory reporting must be addressed and validated through original documentation. 
Violation : These accounts remain on my report without proper validation, violating FCRA Sections 609 ( a ) ( 1 ) and 611, which require consumer reporting agencies to reinvestigate and verify all disputed items. 

Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries were made without my knowledge or consent. According to FCRA Section 604, credit inquiries must be made only with a consumer 's prior authorization. Experian has not provided any evidence of permissible purpose. 

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians failure to comply with federal consumer protection laws. I ask that all inaccurate, unverifiable, and unauthorized information listed above be permanently deleted from my credit file and that I receive written confirmation of the corrections. 

Experians actions are preventing me from accessing basic financial services and causing harm to my creditworthiness. I respectfully request the CFPBs assistance in holding Experian accountable for these violations.

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