Consumer complaint received 2025-07-04 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 filing this complaint against Experian for reporting inaccurate, incomplete, and unverified information on my credit file. Despite my formal dispute, Experian has failed to investigate and correct the errors in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts and inquiries are erroneous and are damaging my credit profile and financial opportunities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment This late payment was never properly noticed or validated. I never received any documentation or billing statement proving delinquency. This is a violation of FCRA 1681i and 1681s-2 ( a ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX This charge-off is inaccurate and unverifiable. No contract, account ownership evidence, or itemized breakdown has been provided, violating FCRA 1681e ( b ). 

XXXX XXXX * Date Opened : XX/XX/XXXX XXXX I do not recognize this debt. No signed agreement or proper validation has been submitted. This is a clear violation of FCRA 1681i ( a ) ( 1 ). 

XXXX ( XXXX, XXXX, XXXX ) Multiple Dates Late Payments These XXXX tradelines are reported with late payments without any proof of delinquency. Additionally, they appear to be duplicates, inflating negative history and misleading lenders. Experian has failed to correct or verify these errors in accordance with FCRA 1681e ( b ). 

XXXX XXXX XXXX ( XXXX Accounts ) Both Date Opened : XX/XX/XXXX Chargeoffs Two entries with different balances ( {$170.00} and {$160.00} ) appear to be duplicates. No validation or original creditor details have been provided. This violates both FCRA and the FDCPA 809 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection I never received any debt validation notice or right to dispute within 30 days. Reporting this debt without following FDCPA protocols is unlawful. 

Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize these hard inquiries. No permissible purpose or signed consent was provided. These inquiries violate FCRA 604 ( a ) ( 3 ), and Experian has refused to remove them despite my dispute.

Experian has failed to conduct a reasonable reinvestigation or provide verifiable documentation within the 30-day window mandated under FCRA 1681i ( a ). These inaccuracies have significantly harmed my credit score and have affected my ability to access fair credit opportunities.

Requested Resolution : I request the CFPB to enforce Experians compliance with the FCRA. If Experian can not verify these accounts and inquiries with proper documentation ( contracts, billing records, authorization forms ), they must be deleted permanently from my credit file. I also request an updated copy of my credit report reflecting all corrections. 

Thank you for your assistance in protecting my rights as a consumer.

Company response to consumer: Closed with explanation