Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I am filing this complaint against Experian due to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, including the failure to maintain accurate information, reinvestigate disputed data, and prevent the reporting of unverifiable and obsolete accounts.

Despite numerous attempts to rectify these issues directly with Experian, they have continued to report inaccurate, outdated, and unverifiable information on my credit report. This has caused me emotional distress, financial hardship, and denial of credit opportunities. 
XXXX. Incorrect Address Reporting : XXXX XXXX XXXX, XXXX, SC, XXXX Wrong Address Issue : I have never resided at or been associated with this address. The inclusion of this address on my credit report is a violation of my rights under : FCRA 607 ( b ) 15 U.S. Code 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 611 15 U.S. Code 1681i ( a ) : Failure to properly investigate and remove inaccurate information upon dispute. 
XXXX. XXXX XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX | High Balance : {$18000.00} | Status : Charge Off Issue : This account is inaccurately reported and unverifiable. I requested validation under FCRA, but Experian failed to provide sufficient verification. 
Violation of FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable investigation.

Violation of FCRA 609 ( 15 U.S.C. 1681g ) : Failure to disclose sources of the information.

FCRA 605 ( a ) ( 5 ) : Charge-offs must not be reported after 7 years. 
XXXX. XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX | High Balance : {$10000.00} | Status : Charge Off Issue : This account was never validated, yet Experian continues to report it. There is no contract or agreement provided to show my responsibility. 
FCRA 611 : Failure to verify the accuracy of the account.

FCRA 609 ( a ) ( 1 ) : Right to obtain full file disclosure.

FCRA 602 ( A ) : Lack of fair and equitable treatment as a consumer. 
XXXX. XXXX Account No : XXXX Opened : XX/XX/XXXX | High Balance : {$1700.00} | Status : Collection Issue : This collection account is being reported without validation or verification. The account allegedly opened in the future ( XX/XX/XXXX ), which is not logically possible. 
FCRA 607 ( b ) : Failure to report accurate information.

FCRA 611 ( a ) : Failure to investigate disputed item.

FCRA 609 ( a ) ( XXXX ) : Failure to disclose sources and supporting documentation. 
XXXX. Unauthorized or Excessive Hard Inquiries ( XX/XX/XXXX ) Experian has listed multiple hard inquiries dated XX/XX/XXXX, many of which I did not authorize. These inquiries are negatively impacting my XXXX XXXX without permissible purpose under FCRA. 
Inquiries Reported : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me, and no credit applications were made with these institutions on the stated date. Therefore, their inclusion is unlawful. 
FCRA 604 ( 15 U.S.C. 1681b ) : No permissible purpose for pulling my credit.

FCRA 607 ( a ) : Duty to provide certification of the permissible purpose.

FCRA 616, 617 : Civil liability for willful and negligent noncompliance. 
Conclusion : Experian has clearly and repeatedly failed to uphold its obligations under the FCRA. These inaccurate, unverifiable, and unauthorized entries are a gross violation of my consumer rights and have directly impacted my ability to obtain credit, housing, and fair financial treatment. 
I am requesting the CFPB to : XXXX. Order Experian to remove all inaccurate and unverifiable accounts and addresses. 
XXXX. Remove all unauthorized hard inquiries dated XX/XX/XXXX. 
XXXX. Provide the full method of verification for each account listed. 
XXXX. Ensure future compliance with the FCRA, with penalties imposed for continued noncompliance. 
Requested Resolution : Immediate deletion of the inaccurate address and all disputed accounts and inquiries. 
Formal written confirmation of all removals. 
Investigation report outlining how each account was verified.

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