Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am submitting a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 611 ( a ) ( 7 ) for failure to conduct a lawful reinvestigation, continued reporting of re-aged debt, and inaccurate personal and inquiry information. 
On XX/XX/XXXX I mailed a certified dispute packet to Experian containing my drivers license, Social Security card, and utility bill along with a full dispute letter outlining numerous inaccuracies. Despite proof of identity and clear documentation, Experian has not corrected or deleted the disputed information and continues to report a fraudulent collection and outdated personal data.

The disputed collection : A {$620.00} collection now listed as XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, allegedly transferred from XXXX XXXX ( opened XX/XX/XXXX ). 
This is a re-aged zombie debt that is time-barred under FCRA 605 ( a ) ( seven-year limitation ) and the FDCPA. It was originally closed and updated XX/XX/XXXX, yet Experian allowed the furnisher to reopen and re-report it as a new account in XXXX, falsely making it appear recent. 
The account history shows verified XX/XX/XXXX even though no legitimate documentation exists, proving Experian relied solely on the E-OSCAR automated system to rubber-stamp the item verified within minutes rather than perform a human reinvestigation.

Personal information inaccuracies : Multiple misspelled and duplicate names appearXXXX XXXX XXXX, XXXX, XXXX XXXX, etc.that do not match my legal name XXXX XXXX XXXX. 
Old and incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, remain even after I supplied proof of my current address.

Unauthorized inquiries : Hard inquiries I never approved from XXXX, XXXX XXXX ( XXXX ), and several finance companies from XXXX through XXXX. 
Excessive soft/promotional pulls by companies with no permissible purposemore than ten instancesviolating FCRA 604 ( a ) ( 2 ).

My prior efforts : I have called Experian multiple times seeking the Fraud/Compliance Department and requested a written Method of Verification ; each time I was rerouted to the automated dispute system.

No representative has reviewed my mailed evidence or supplied the required verification details ( name of verifier, method used, or supporting documentation ).

Ongoing harm : Experians negligence and failure to correct these errors have caused loan and credit-card denials, delaying my ability to secure stable housing and necessary funding. I am currently experiencing financial hardship with limited income and no
EBT support, and this inaccurate reporting directly restricts my access to credit. The emotional distress, time lost, and financial damage are significant.

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