Consumer complaint received 2025-07-09 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:
Dear CFPB Officer, I am filing this formal complaint against Experian Information Services, LLC for reporting multiple inaccurate, unverifiable, and misleading items on my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite providing written notice and a clear dispute, Experian has failed to remove or correct the following information that is either inaccurate, unverifiable, or not legally authorized to be reported : XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This address has never been mine. Experian has reported it without proper verification, violating FCRA 607 ( b ) which requires all information to be reported with maximum possible accuracy. 

XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This incorrect mailing address was never associated with any of my accounts. Reporting this without validation breaches FCRA 609 ( a ) ( 1 ), as I was never provided the source of this data. 

XXXX XXXXXXXX ( Account XXXX XXXX ) Charge Off Balance : {$420.00} XXXX XXXX  Experian is reporting this account as a charge-off without furnishing proof of default, signed agreements, or billing statements. They are violating FCRA 611 ( a ) by failing to reinvestigate this dispute properly and FCRA 623 ( b ) by maintaining unverified negative data. 

XXXX XXXXXXXX ( Account XXXX XXXXXXXX ) Late Payment Balance : {$0.00} * * This account shows late payment on a closed account with a {$0.00} balance, which is inaccurate and misleading. This violates FCRA 623 ( a ) ( 1 ) ( A ) and suggests deliberate misreporting or lack of review. 

XXXX XXXX ( AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Collection Balance : {$1000.00} * * I never received debt validation as required under FDCPA 809. Experian is reporting this debt without confirming its ownership or origin, and without documentation showing it is legally enforceable. 

XXXX XXXX XXXX XXXX Inquiry on XX/XX/year> This inquiry was made without my knowledge or permission. Experian has failed to show that it was made for a permissible purpose under FCRA 604, and therefore it is unauthorized and must be removed.

I have exhausted my attempt to resolve this directly with Experian through a formal dispute. They have failed to respond with sufficient documentation or remove the disputed items. Their actions represent willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel Experian to : Remove all unverifiable and inaccurate information Provide documentation of reinvestigation results Comply fully with FCRA and FDCPA regulations Please confirm receipt of this complaint and inform me of the next steps in this investigation.

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