Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of inaccurate, unverifiable, and misleading negative information on my credit report. Despite multiple disputes, Experian has failed to comply with their responsibilities under the Fair Credit Reporting Act ( FCRA ), and their actions are negatively affecting my credit profile. 

Below are the items that I am disputing : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Status : Charge Off | Balance : {$0.00} This account shows a {$0.00} balance yet is still listed as a charge-off. Reporting a charge-off when there is no outstanding balance is misleading and unfair. This misrepresentation violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 

XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Status : Charge Off | Balance : {$0.00} This is a duplicate entry of the XXXX account above. Reporting the same debt under different names or tradelines is deceptive and constitutes a violation of FCRA 607 ( b ) and 611. This duplicate account must be removed immediately. 

XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Status : Late Payment | Balance : {$15000.00} This tradeline is being reported with derogatory information but has not been properly validated. I requested proof of the alleged delinquency, but Experian failed to provide it. Continued reporting of an unvalidated debt is a violation of FCRA 1681i and FDCPA 809 ( a ). 

XXXX XXXX Account # XXXX * Date Opened : XX/XX/XXXX | Status : Late Payment | Balance : {$0.00} This account is closed with no balance, yet a late payment remains on my credit report. This is misleading and harmful. If there is no active obligation or balance, there should be no negative mark reported. Experians failure to remove this is a violation of FCRA 602A and 607. 

XXXX Bankruptcy XXXX GA XXXX XXXX # XXXX Date Filed : XX/XX/XXXX | Status : Bankruptcy This bankruptcy record is outdated or misreported. Experian has not confirmed whether the status is fully resolved or continues to be lawfully reportable. If the debts associated with this bankruptcy have been discharged and no longer legally affect my credit, then reporting must cease per FCRA 605 ( a ) ( 1 ). 

Hard Inquiries ( Unauthorized ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these hard inquiries. They were made without my consent and were not related to any credit application I initiated. Reporting inquiries without permissible purpose violates FCRA 604 ( a ) and constitutes unauthorized access to my personal credit file. 

Despite prior disputes, Experian has not removed or validated any of the items listed above. I am therefore requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian for repeated violations of the FCRA and failure to maintain the integrity and accuracy of my consumer credit file. 

Resolution Sought : Immediate deletion of all inaccurate, outdated, duplicate, and unauthorized items listed in this complaint. I also request that Experian be held accountable for its continued failure to meet its legal obligations under federal consumer protection laws.

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