Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
Summary of the Problem : This is my second formal complaint against Experian for continuing to report inaccurate, outdated, and unverified negative information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I previously submitted disputes through the appropriate channels, but Experian has failed to conduct a proper reinvestigation or provide supporting documentation verifying these accounts and inquiries. I am requesting the CFPB intervene immediately to enforce my rights and compel deletion of the following items. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX  | High Balance : {$3300.00} Charge Off Issue : This account is over XXXX XXXX XXXX and legally qualifies as obsolete under FCRA 605 ( a ), which limits negative information to 7 years. Reporting this item now is a clear violation. 

XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX  | High Balance : {$11000.00} Charge Off Issue : Also exceeds the 7-year reporting limit. This is a direct breach of FCRA 605 ( a ) ( 4 ) and must be removed immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX  | High Balance : {$1000.00} Charge Off Issue : This account was previously disputed, yet Experian failed to validate the debt by providing a signed agreement or account-level documentation. 

Violation : Per FCRA 611, failure to verify upon dispute means the account must be deleted.

XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX  | High Balance : {$120000.00} Late Payments Issue : Late payments occurred during a well-documented financial hardship. My dispute was ignored, and no accommodation or reinvestigation was provided. 

Violation : This is a violation of FCRA 1681i failure to conduct a reasonable reinvestigation. 

Unauthorized/Unverifiable Hard Inquiries : The following hard inquiries appear on my Experian report but were not authorized by me, nor do they reflect any application or transaction initiated by me. These companies have not demonstrated permissible purpose under FCRA 604 ( a ) ( 3 ).

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  These repeated inquiries are affecting my credit score and were done without my consent. I have not submitted any applications to these companies during the listed dates. 

Requested Action : I am requesting the immediate deletion of the above-mentioned charge-offs, late payment account, and all listed hard inquiries from my Experian report based on the following : Violation of FCRA 605 ( a ) : Reporting obsolete charge-off accounts.

Violation of FCRA 611 & 1681i : Failure to verify or reinvestigate disputed items.

Violation of FCRA 604 ( a ) ( 3 ) : Reporting unauthorized inquiries without permissible purpose. 

Violation of Consumer Financial Protection Act ( CFPA ) : Continuing to furnish inaccurate information after notice of dispute.

Final Statement : This is my second round of action, and I expect Experian to comply fully with federal law and remove these inaccurate and damaging entries from my file. If these violations persist, I will escalate further with legal counsel and file complaints with the FTC, State Attorney General, and consider litigation under FCRA 616 and 617.

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