Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
To Whom It May Concern I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by reporting multiple inaccurate, unverifiable, and misleading accounts on my credit report. I have submitted disputes to Experian, but they have either failed to provide proper validation or have continued to report these accounts without complying with their obligations under XXXX XXXX. XXXX ( b ), XXXX, and XXXX The following accounts are in question and should not be reporting on my credit file : XXXX # XXXX * * * * Reports multiple late payments without any proof of billing or validation. No original statements or contract were provided. This violates XXXX ( b ) requiring maximum possible accuracy XXXX # XXXX * * * * Reports late payments despite showing a {$0.00} balance. Reporting derogatory marks on a closed account with no outstanding debt is misleading and inaccurate XXXX XXXX XXXX # XXXX * * * * This is a XXXX-party collection with no supporting documentation from the original creditor. No proof of assignment or chain of custody has been provided XXXX XXXX # XXXX * * * * Reports late payments without any verifiable billing history, notice of delinquency, or documentation supporting the derogatory status XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX * * * * This is a collection account with no documentation proving debt transfer or legal right to collect. No itemization has been supplied XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX * * * * Reports a collection account without furnishing a signed agreement, billing history, or legal validation under FDCPA or FCRA XXXX # XXXX * * * * A charged-off account that has not been validated or substantiated. Experian continues to report this entry without verifying its accuracy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX No verification of the debt has been provided. This third-party agency has not shown any documentation or authority to report the account XXXX XXXX XXXX XXXX XXXX This is an unvalidated collection entry with no proof of original agreement, balance calculation, or legal assignment In addition, Experian is reporting the following inaccurate addresses that do not belong to me : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Reporting inaccurate address history is a violation of XXXX ( b ) and may result in further confusion or the incorrect association of accounts. 

I have made attempts to resolve these issues directly with Experian by submitting disputes. However, Experian has either failed to respond appropriately or has continued to report unverifiable and harmful data. This is a violation of my rights under the FCRA I respectfully request that the Consumer Financial Protection Bureau investigate Experian for willful noncompliance with the FCRA, ensure these accounts are removed from my credit file, and hold them accountable for failing to maintain accurate and verifiable credit data.

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