Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Experian Information Solutions , Inc. for continued reporting of inaccurate, unverified, and unauthorized information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite prior written disputes submitted directly to Experian, the following items remain inaccurately reported, unverified by the original furnishers, and continue to harm my creditworthiness and financial standing.

1. Wrong Address Reporting Address Reported : XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me and has never been associated with my identity or residence. Reporting false identifying information violates FCRA 607 ( b ), which mandates maximum possible accuracy. Experians continued reporting of this incorrect address creates a risk of file mixing and identity confusion.

2. Unverified and Inaccurate Account Reporting Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Status : Charge Off This tradeline is being reported as a charge-off without any verified supporting documentation. Under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) ( 5 ) ( A ), a furnisher can not report a derogatory account without proof of accuracy and original source verification.

Experian has failed to obtain and provide validation from the furnisher, which constitutes willful noncompliance and negligent harm to my credit profile.

3. Unauthorized and Unverified Collection Account Account : XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$940.00} Status : Collection This alleged collection account is being reported without any debt validation notice or proof of authorization. According to FDCPA 809 ( b ) and FCRA 611 ( a ), no debt collector or credit bureau may continue reporting a collection without written verification from the original creditor. I have never received such documentation, making this reporting unlawful and unverified.

4. Unauthorized Hard Inquiries The following inquiries appear on my Experian report without my consent or permissible purpose, violating FCRA 604 ( a ) and 604 ( f ) : EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian failed to provide proof of permissible purpose or authorization for these inquiries. These entries were made without my consent and should have been removed upon dispute. 
5. Violation Summary Experian has failed to : Conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ).

Provide verification evidence from the original furnishers.

Remove unverifiable, inaccurate, and unauthorized items from my report.

These violations have caused significant damage to my credit profile, hindered access to credit opportunities, and represent a clear breach of federal law.

Requested Action by CFPB I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate Experians repeated failure to comply with FCRA and FDCPA requirements.

2. Compel Experian to permanently delete the disputed inaccurate items from my credit report.

3. Require Experian to provide written confirmation of all deletions and corrections.

4. Impose regulatory action or penalties if willful noncompliance is found.

Attached Exhibits Exhibit A : Copy of prior dispute letter sent to Experian Exhibit B : Government-issued photo ID Exhibit C : Proof of current address ( utility bill ) Exhibit D : Current Experian credit report highlighting disputed items

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