Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Ohio XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint and Request for Investigation Under the FCRA To Whom It May Concern, I am submitting this complaint against Experian Information Solutions , Inc. and the data furnishers listed below for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I recently obtained a copy of my Experian credit report ( Report Number : XXXX, generated XX/XX/XXXX ) and identified multiple accounts that are being reported inaccurately, incompletely, or in violation of the FCRA . Despite previous disputes, these items remain on my report without proper verification. 

The following accounts are in question : 1. XXXX XXXXXXXX Account # XXXX Status shows as charged off with a {$160.00} balance, but reporting reflects inconsistent updates and unverifiable payment history. This account continues to be reported despite prior disputes and without proper documentation. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX A collection account for {$1300.00}. Original creditor listed as XXXX XXXX XXXX XXXX. This account has been previously disputed and marked as Meets FCRA requirements, yet Experian continues reporting it without furnishing proper validation of the debt as required under 15 U.S.C. 1681i. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account marked as Paid, Closed with derogatory history. My dispute was completed in XX/XX/XXXX, but Experian continues to report negative information without providing any documentary evidence. 
XXXX. XXXX XXXX XXXX  Account XXXX XXXX Secured loan account marked Paid, Closed but continues to reflect late payment history. This account was closed at consumers request, and Experian failed to verify accuracy under 1681i. 
XXXX. XXXX XXXX XXXX  Account # XXXX Another secured loan closed in XX/XX/XXXX, reported with derogatory late payment history. Verification has not been properly documented. 

In addition, multiple hard inquiries appear on my report without my authorization, including inquiries from XXXX XXXX and XXXX XXXX, among others, which are excessive, repetitive, and damaging to my credit profile. 

FCRA Violations Noted : Failure to conduct a reasonable reinvestigation ( 1681i ).

Continued reporting of inaccurate or unverifiable information ( 1681e ( b ) ).

Reporting of disputed accounts without proper notation ( 1681s-2 ( a ) ( 3 ) ).

Excessive and unauthorized inquiries harming my credit standing. 

Requested Relief : 1. Immediate reinvestigation of all accounts listed above.

2. Deletion of any item that can not be fully verified with original documentation.

3. Removal of unauthorized hard inquiries.

4. Written confirmation of corrections made. 

I have attached a full copy of my Experian credit report ( Experian.XXXX  ) as evidence. 

I respectfully request the CFPBs assistance in ensuring that Experian and the data furnishers comply with the Fair Credit Reporting Act. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX XXXX XXXX. ]

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