Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint against Experian and the following furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry dated XX/XX/XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

I disputed these items directly with Experian as required under FCRA 611 ( a ), yet they remain on my credit report without being properly verified. Under FCRA 607 ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of my credit file. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Despite these legal requirements, the disputed items continue to be reported without proper documentation. 

The XXXX XXXX account is being reported as a charge-off, even though it has a {$0.00} balance and there is no proof of any delinquency that meets the charge-off criteria. I have requested copies of the signed contract, complete payment records, and any charge-off notices, but neither Experian nor the furnisher has provided them. 

The XXXX XXXX account is being reported as a collection with a {$5500.00} balance. I have never received a signed agreement, billing history, or proof that this debt belongs to me. Without full validation, this account is unverifiable and should not be reported under FCRA 611 ( a ) and FDCPA 809 ( b ). 

In addition, there are multiple unauthorized hard inquiries on my file : XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I did not apply for credit, enter into any business relationship, or give written consent for these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ), a consumer report can only be accessed with my authorization or for a permissible purpose. These inquiries are unauthorized, harm my credit score, and expose me to potential identity theft.

These inaccurate and unauthorized entries have caused measurable harm to my financial standing. My credit score has been lowered, leading to loan denials, higher interest rates, and difficulty obtaining housing. The continued reporting of unverifiable and unauthorized information has also caused emotional distress and damaged my reputation as a responsible consumer.

I request that the CFPB require Experian and all listed furnishers to conduct a full reinvestigation, obtain original source documents ( including signed contracts and full payment histories ), and permanently delete any information that can not be fully verified. All unauthorized inquiries should be removed immediately.

Experian and the furnishers have failed to meet their legal obligations under the FCRA, and I am asking the CFPB to take immediate action to ensure my rights are enforced and my credit report is corrected without delay.

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