Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protections. Despite previous disputes submitted to Experian, they have failed to correct inaccurate, outdated, and unverifiable information on my consumer credit file, leading to continued harm to my financial reputation, emotional distress, and denial of credit opportunities. 
Experian has negligently and willfully continued to report the following inaccurate or misleading accounts, and they have not conducted proper reinvestigations as required by FCRA 611 [ 15 U.S.C. 1681i ]. 
Below is a detailed list of the accounts with the respective issues and violations : XXXX. XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XXXX Issue : Charge Off Complaint : This account shows a charge-off with a {$0.00} high balance, which is contradictory and misleading. If the balance was {$0.00}, there should be no charge-off reported. This indicates inaccurate data furnishing in violation of FCRA 607 ( b ).

Law Violated : o FCRA 607 ( b ) Duty to maintain accuracy o FCRA 611 Failure to conduct proper reinvestigation XXXX XXXX XXXX Account Number : XXXX XXXX Balance Owed : {$5800.00} Date Opened : XXXX Issue : Charge Off Complaint : This charge-off is being reported without sufficient verification. I have not received any proper notice or validation from the original creditor or debt collector. This reporting lacks the substantiation required under FCRA 611 and 623 ( b ).

Law Violated : o FCRA 611 Failure to investigate disputed information o FCRA 623 ( b ) Duty of furnishers after receiving notice of dispute XXXX. XXXX XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX  High Balance : {$8200.00} Date Opened : XXXX Issue : Charge Off Complaint : This charge-off was not validated when disputed. I requested proof of original balance, payment history, and contractual agreement, which was not provided. Experian is willfully reporting unverified and disputed information. 
Law Violated : o FCRA 611 Inadequate reinvestigation o FCRA 623 ( a ) ( 1 ) ( A ) Reporting information with knowledge of inaccuracy XXXX. XXXX XXXX Account Number : # XXXXXXXX XXXX High Balance : {$2200.00} Date Opened : XXXX Issue : Late Payments Complaint : This account reflects inaccurate late payment reporting. I submitted a goodwill and dispute request, and no reasonable investigation was conducted. 
Law Violated : o FCRA 611 Failure to investigate o FCRA 607 ( b ) Reporting inaccurate payment history XXXX. XXXX XXXX Account Number : # XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XXXX  Issue : Late Payments Complaint : The late payment records are unverifiable and outdated. This negatively impacts my score and violates FCRA 605 ( a ) ( 5 ) if reported beyond allowable time.

Law Violated : o FCRA 611 Failure to correct unverifiable data o FCRA 605 Reporting obsolete information ( if more than 7 years old ) 6. XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX High Balance : {$340.00} Date Opened : XXXX Issue : Late Payment Complaint : This entry includes inaccurate late payments and Experian has failed to validate these through documented evidence. My disputes were met with templated responses and no actual investigation.

Law Violated : o FCRA 611 Lack of proper reinvestigation o FCRA 607 ( b ) Failure to ensure data accuracy XXXX. XXXX XXXX Account Number : # XXXXXXXX XXXX High Balance : {$2600.00} Date Opened XXXX XXXX  Issue : Late Payment Complaint : This account is extremely old, and the negative payment history may fall outside of the 7-year FCRA reporting window. Continued reporting may violate FCRA 605 ( a ) ( 5 ).

Law Violated : o FCRA 605 Reporting obsolete information o FCRA 607 ( b ) Inaccuracy in data maintenance XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX Issue : Hard Inquiry Complaint : This inquiry was made without my authorization, which violates my right to privacy and credit access control under the FCRA. No permissible purpose was given by XXXX or verified by Experian. 
Law Violated : o FCRA 604 ( a ) Permissible purpose for accessing credit file o FCRA 615 Duty to disclose adverse actions or inquiries Requested Resolution : I demand the following corrective actions from Experian and oversight by the CFPB : 1. Immediate removal of all inaccurate, unverifiable, or obsolete information listed above.

2. A full reinvestigation of each account with proper documentation as required under FCRA.

3. Written confirmation that these corrections have been made.

4. Penalties imposed for Experians willful noncompliance and negligent conduct.

5. Monitoring to ensure Experian follows all provisions under the FCRA in future reporting and dispute handling.

Conclusion : The failure of Experian to comply with federal consumer protection laws has caused me continued damage. I respectfully request the CFPB to investigate Experians systemic failure to accurately and fairly handle consumer disputes, and to hold them accountable for their violations of the Fair Credit Reporting Act.

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