Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Experian for their failure to properly investigate and remove inaccurate accounts and unauthorized inquiries from my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Experian 's persistent reporting of these incorrect and unauthorized entries is causing severe damage to my creditworthiness, resulting in significant emotional and financial distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX : $ XXXX : Incorrectly reported as a charge-off with XXXX balance.Law : FCRA, 15 U.S.C. 1681s-2 ( b ) Story : Experian incorrectly reports this account as a charge-off despite it having a XXXX balance. This misleading information damages my credit and violates FCRA requirements for accurate reporting. I request immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect reporting of late payments.Law : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Story : Experian continues to report inaccurate late payments for this account, unjustly harming my credit score. Immediate verification and correction of this erroneous reporting are required under FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Unauthorized and unverifiable charge-off account.Law : FCRA, 15 U.S.C. 1681s-2 ( b ) Story : This charge-off account has not been validated or verified despite my requests. Experian continues to report this unauthorized debt, violating federal law. Prompt removal is necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX : XXXX XXXX  : Unauthorized collection account.Law : FCRA, 15 U.S.C. 1681s-2 ( b ) Story : Experian reports this unauthorized and unverifiable collection account despite no contractual agreement or validation. Its continued presence violates my rights under FCRA and demands immediate removal. 

Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unauthorized credit inquiries.Law : FCRA, 15 U.S.C. 1681b ( c ) Story : These inquiries were made without my consent or legitimate purpose, breaching FCRA guidelines. Experian has failed to remove these unauthorized inquiries despite clear violations, causing unjust harm to my credit profile. Immediate removal is required.

I request the CFPBs immediate intervention to ensure Experian fulfills its obligations under the FCRA by promptly removing all disputed inaccurate and unauthorized entries from my credit report. 

Thank you for your prompt assistance in resolving this critical issue.

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