Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, a LIVING WOMAN, submit this formal complaint to report multiple and ongoing violations of law committed by Experian Information Services, LLC, as it pertains to their duties under the Fair Credit Reporting Act ( FCRA ), 15 Stat. 300 ( 1970 ) and Fair Debt Collection Practices Act ( FDCPA ), 15 Stat. 1692 ( 1977 ).

On or about thirty ( 30 ) days prior to this complaint, I sent a formal request to Experian for a reinvestigation of multiple negative entries appearing on My consumer credit file. These include : One or more unverified charge-off debts reported by third-party DEBT collectors A XXXX  XXXX bankruptcy entry and continued bankruptcy remarks post-discharge Numerous unauthorized hard inquiries with no permissible purpose Non-mailable or erroneous addresses appearing on file Erroneous and fraudulent name variations Unverified and inaccurate telephone numbers To date, Experian has failed to verify, validate, or lawfully remove these entries, constituting not only a dereliction of duty but actionable harm to My creditworthiness, reputation, and lawful commerce.

I. LEGAL BASIS OF THIS COMPLAINT Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that a consumer reporting agency conduct a reasonable reinvestigation when a consumer disputes information as inaccurate.

15 U.S.C. 1681e ( b ) requires that a consumer reporting agency follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681b ( f ) prohibits the furnishing of a consumer report except for permissible purposes.

Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt.

15 U.S.C. 1692g ( b ) mandates that disputed debts must not be reported without verification.

Under constitutional and statutory authority : The continued reporting of unverifiable information constitutes a constructive fraud and a commercial injury under common law.

Failure to correct a known falsehood violates due process rights guaranteed under the Fifth Amendment and Fourteenth Amendment to the Constitution.

II. VIOLATIONS COMMITTED BY EXPERIAN Failure to Reinvestigate and Remove Inaccuracies in violation of FCRA 1681i.

Reporting of Unverified Third-Party Debts, presumed invalid under FDCPA 1692g ( b ).

Maintaining Inaccurate and Obsolete Bankruptcy Remarks, violating FCRA 1681c ( a ).

Permitting Unauthorized Hard Inquiries, absent consent or permissible purpose, in breach of FCRA 1681b.

Neglect in Address, Name, and Phone Number Accuracy, impairing notification rights and creating erroneous records.

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and I will also notify my State Attorney General and the XXXX XXXX XXXX, as appropriate. 

Thank you for your prompt attention to this matter. I respectfully request an investigation and appropriate enforcement action.

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