Consumer complaint received 2025-09-13 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: MD

Complaint narrative:
I am submitting this complaint because Experian continues to report multiple inaccurate and unverifiable accounts and inquiries on my credit report, despite previous disputes. Under the Fair Credit Reporting Act, I have the right to fair, accurate, and fully verifiable reporting, but Experian has failed to meet this standard. The repeated presence of these items is causing ongoing harm to my creditworthiness and my ability to access fair financial opportunities. 

The first account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$1000.00} and marked with late payments. I have disputed this account and requested validation of the alleged late payments, but Experian has never produced any documentation proving that these negative marks are accurate. Reporting such derogatory information without proof is a violation of federal law. 

The second account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported as opened on XX/XX/XXXX with a balance of {$0.00} and still showing late payments. It is misleading to report late payments on an account that reflects a XXXX balance, and no validation has ever been provided to prove this information is correct. Experian continues to maintain this inaccurate account, despite my disputes. 

The third account is XXXX XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$0.00} and marked with late payments. This account has been disputed because it is inaccurate and unverifiable. Experian has not provided proper validation for the derogatory reporting, yet it remains on my file, harming my credit profile. 

The fourth account is XXXX XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$8000.00} and listed as a charge off. I have repeatedly requested proper validation of this account, but no proof has been furnished that I am legally responsible for this alleged debt or that the charge-off is accurate. Maintaining a charge-off status without verification is a violation of the Fair Credit Reporting Act, yet Experian continues to report it. 

The fifth account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$0.00} and listed as a charge off. Reporting a charge off with a XXXX balance is contradictory and misleading. I have asked for validation, but none has been provided. This inaccurate reporting remains, damaging my creditworthiness. 

In addition to the above accounts, two unauthorized inquiries are also being reported by Experian. The first is XXXX XXXX XXXX on XX/XX/XXXX, and the second is XXXX & XXXX BANK on XX/XX/XXXX. I never authorized these inquiries, and no validation has been provided to prove they were lawfully obtained. Reporting unauthorized inquiries without proof is unlawful, yet Experian has failed to remove them. 

The presence of these inaccurate and unverifiable accounts and inquiries has caused me significant and ongoing harm. Despite my disputes, Experian has failed to comply with federal requirements under the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau intervene to ensure compliance and require Experian to delete these accounts and inquiries immediately if they can not be fully validated with complete, accurate documentation.

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