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: MI

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of inaccurate, incomplete, and unverifiable information on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. Despite previous disputes, Experian has failed to conduct reasonable investigations or correct the erroneous data. I am providing a detailed list of the disputed accounts and issues below, each of which contains legal violations and causes undue damage to my creditworthiness and reputation XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Status : Charge-Off * * This account is reporting as a charge-off but I have not received any debt validation as required under 15 U.S.C. 1692g. This tradeline is inaccurate, unverifiable, and must be removed under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). No original signed contract has been provided to prove liability. Continued reporting of a disputed and unvalidated debt violates FDCPA 1692e ( 8 ) XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Status : Collection * * This account is being reported in collection status without proper validation or original creditor documentation. Under FCRA 1681e ( b ), a CRA must maintain accurate and complete records, and under 1681i, must delete unverifiable data. XXXX is not authorized to place debts in collection without my signed agreement and itemized breakdown. This violates FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$610.00} Status : Collection * * This item is listed without any validation or correspondence to verify ownership or liability. Reporting such data without confirming the validity violates FCRA 1681i and FDCPA 1692g. Failure to remove upon dispute also violates 15 U.S.C. 1681c-2 ( blocking of information resulting from identity theft, if applicable ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : XXXX * * This charge-off is being reported inaccurately and remains unverifiable. I have not received any validation showing a legally enforceable agreement between myself and XXXX XXXX. This account is being reported in violation of FCRA 1681e ( b ) and FDCPA 1692e. Additionally, XXXX has failed to notify me of negative reporting, violating FCRA 1681m ( a ) XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off * * This account reports as charge-off but shows a {$0.00} balance, which is inconsistent and misleading. Inaccurate data violates FCRA 1681e ( b ), and continued reporting of erroneous items after dispute violates 1681i ( a ). No documentation has been produced validating this debt XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off * * This charge-off is reported without proof of contract or any signed agreement. Under FDCPA 1692g, XXXX is required to provide verification of the debt upon request. Continued reporting of unverifiable data also violates FCRA 1681s-2 ( b ). The balance amount also appears inflated and inconsistent XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off * * This account is reporting as charged off with a {$0.00} balance, which is inherently inaccurate and misleading under FCRA 1681e ( b ). No documentation has been provided to prove the status or origin of this account. I demand complete deletion under 1681i due to lack of verifiability XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off * * This account is outdated and has passed the XXXX reporting window defined under FCRA 1681c ( a ) ( 4 ). Continued reporting violates federal law. Additionally, no contract or billing statements have been provided to validate this debt under 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off * * This account is reported without any proper verification. Disputes were submitted and ignored, violating FCRA 1681i. The bank has failed to validate or investigate the dispute properly under 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). This tradeline is damaging and should be deleted immediately XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off * * There is no documentation proving this balance is accurate or that the account is legally collectible. XXXX has not provided account-level verification as required under FDCPA 1692g. The continued reporting by Experian violates FCRA 1681e ( b ) XXXXXXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off * * This account shows a charge-off but no outstanding balance, which is inaccurate and misleading under FCRA 1681e ( b ). XXXX has not responded to prior disputes. Continued inclusion of this tradeline violates FCRA 1681i and should be removed for lack of verifiability Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry was done without permissible purpose and without my authorization, violating FCRA 1681b ( c ). The creditor must demonstrate an existing relationship or legitimate credit transaction Inquiries : XXXX XXXX XX/XX/XXXX I did not initiate or authorize this inquiry, which violates FCRA 1681b ( a ). Experian is liable under 1681b for allowing access to my credit file without my consent or a valid reason RELIEF REQUESTED I am demanding the immediate deletion of all the above-mentioned inaccurate, unverifiable, outdated, and damaging entries from my credit file maintained by Experian. I am also requesting an investigation into Experians failure to comply with the legal duties under FCRA 1681i, 1681e, 1681s-2 ( b ), and FDCPA 1692g. These errors have caused me financial and emotional distress, including credit denials and higher interest rates

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