Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am filing this complaint against Experian due to their repeated failure to correct multiple inaccurate and unverifiable items on my credit report. Despite sending multiple disputes, including my most recent dispute in XXXX XXXX, Experian continues to report the following accounts that are either not mine, inaccurately reported, or unverifiable. Each dispute has been ignored or inadequately addressed, and Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and proper reinvestigation of disputed information. 

The disputed accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported as a charge-off with a high balance of {$5400.00}. I have requested verification and documentation showing that this is my account, including a signed agreement and detailed billing history. Experian has failed to provide any supporting records and continues to report this account despite my repeated objections. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is another charge-off account with a reported high credit of {$6800.00}. I have no memory of this account being charged off, nor have I received any documentation verifying the accuracy of this information. No contract, billing details, or transfer documentation has been shared with me. Experian has ignored my requests for proper reinvestigation. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account is being reported with a balance of {$710.00} and a recent open date of XX/XX/year>. I have never received any debt notice from either XXXX XXXX or XXXX XXXX. This account came as a surprise, and Experian has provided no validation of its accuracy or origin. I believe this may be a case of mistaken identity or incorrect reporting. Under both FCRA and FDCPA, I have the right to request debt validation, which has not been honored. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off account reflects a balance of {$1300.00}. I have no recollection of this charge-off and have asked Experian to provide documentation verifying the details of this account, including a signed agreement or record of default. No such documentation has been provided, and yet the account remains on my credit report, harming my score and reputation. 

These accounts have had a severe negative impact on my life. I have faced credit denials, increased interest rates, and emotional distress due to information that can not be verified or substantiated. I have followed the correct dispute process, yet Experian has failed to act in accordance with the law.

Under FCRA 611 ( a ) ( 1 ), I am entitled to a reasonable reinvestigation of disputed information. FCRA 609 ( a ) ( 1 ) also gives me the right to see the sources and supporting documentation Experian is relying on. Additionally, when a collection account is reported, FDCPA 809 ( b ) requires validation of the debt upon dispute. None of these legal rights have been respected in my case. 

I am now turning to the Consumer Financial Protection Bureau to intervene, as Experian continues to violate my consumer rights. I am requesting that the CFPB hold Experian accountable for its failure to perform proper reinvestigation and its ongoing reporting of unverifiable, inaccurate, and damaging information. I want Experian to either provide proper validation for each account using original documentation or permanently remove these accounts from my credit file as required by law.

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