Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I am filing this complaint because Experian has repeatedly failed to correct serious inaccuracies on my credit report despite my numerous disputes. I have followed all procedures under the Fair Credit Reporting Act ( FCRA ), yet Experian continues to report unverifiable charge-offs and unauthorized hard inquiries that are damaging my credit and financial standing. 

My report contains a charge-off for XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$2500.00}. I have disputed this item multiple times and no proper verification or documentation has been provided. Another entry, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, is also listed as a charge-off with a XXXX balance, which is misleading and inaccurate. Additionally, XXXX  XXXX # XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX is reported as a charge-off with a balance of {$740.00}, but I have never been given proper documentation to support this reporting. These accounts remain on my report in violation of my rights under FCRA 607 and 611, which require Experian to ensure maximum possible accuracy and remove unverifiable information after a reasonable investigation. 

My credit report also contains multiple unauthorized inquiries that I did not initiate or approve. These include XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX  XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX None of these companies had my written consent or permissible purpose under FCRA 604 to access my credit file, and Experian has not provided any proof of authorization despite repeated requests. 

I have disputed all of these items multiple times, yet Experian has failed to provide verification or remove these entries as required by law. This ongoing reporting is creating a false picture of my credit behavior, lowering my credit score, and damaging my reputation as a consumer. Experians repeated inaction demonstrates a failure to conduct the reasonable investigation required under FCRA 611. 

I am requesting that Experian be required to conduct a lawful and thorough investigation, provide documentation proving my authorization for each inquiry, and verify all reported accounts with proper records from the furnishers. If no proof can be provided, I am demanding the immediate deletion of XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX XXXX, and all of the listed unauthorized inquiries. I also expect a corrected credit report to be issued to me reflecting these removals. 

This situation has caused significant stress, financial harm, and difficulty obtaining credit. Experians refusal to comply with federal law after multiple disputes is unacceptable, and I am seeking CFPB intervention to ensure these errors are properly investigated and resolved.

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