Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
To whom it may concern at the Consumer Financial Protection Bureau and Experian, I am submitting this formal complaint against Experian for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. My Experian credit report contains numerous inaccurate and unverifiable accounts, unauthorized hard inquiries, and false addresses, which I have previously disputed and yet they continue to appear on my file in clear violation of my consumer rights. I have been severely impacted financially, emotionally, and mentally by the gross negligence and failure of Experian to maintain accurate reporting in accordance with FCRA guidelines. I am hereby requesting the CFPB to investigate and enforce strict action under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address FCRA Violation : Reporting inaccurate personal identifying information is a violation of 15 U.S. Code 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$200.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account reflects inaccurate late payment reporting which I have disputed but Experian failed to remove or verify. Under FCRA 1681i ( a ) ( 5 ) ( A ), if the completeness or accuracy of any item is disputed by a consumer, and it is found to be inaccurate or unverifiable, it must be deleted within 30 days. No proper verification was provided and the account remains inaccurate on my file, violating my rights under the law. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX  High Balance : {$21000.00} Date Opened : XX/XX/XXXX Issue : Charge Off This account was charged off without any validated proof of debt. I requested validation and dispute reinvestigation, but Experian failed to follow proper verification procedures. According to FCRA 1681i and 1692g ( FDCPA ), I have the right to a full validation of the debt, which I never received. Continued reporting of an unvalidated and disputed account is unlawful and damaging. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account contains late payments that I have contested multiple times. I provided documentation to prove on-time payments, but Experian failed to conduct a reasonable reinvestigation and retained the inaccurate data. This violates FCRA 1681i ( a ) and 1681e ( b ), as the information is both inaccurate and unverifiable. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Issue : Late Payment This tradeline is reporting erroneous late payment history. I was enrolled in a hardship program and had forbearance protections, yet Experian failed to reflect those accommodations and instead reported me delinquent. This is both misleading and harmful and violates FCRA 1681s-2 ( a ), which mandates that furnishers provide accurate data and update status during forbearance periods. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$980.00} Date Opened : XX/XX/XXXX Issue : Collection I have never received any notice of this debt from XXXX XXXX. The account was placed without any validation or consent. Under FDCPA 809 ( 15 U.S. Code 1692g ), a consumer must be given the right to dispute and validate the debt within 30 days. Capio failed to do so and Experian illegally allowed them to report the collection without validating ownership or accuracy, violating FCRA 1681e ( b ). 
XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Issue : Collection This collection account was inserted without my knowledge or consent. I never received any communication, validation letter, or proof of debt. The debt is unknown to me and therefore unverifiable. Experian is in violation of FCRA 1681i for failing to properly investigate and remove the account upon dispute. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Collection This debt is inaccurately reported and I never authorized Ability Recovery to report this account. They have failed to provide any debt validation despite repeated disputes. FCRA 1681s-2 and FDCPA 809 were blatantly violated by both the furnisher and Experian. Continued reporting of a disputed, unverified, and potentially fraudulent account is illegal. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Issue : Collection I have no relationship with this company and the debt appears to be the result of re-aged or recycled data, which is against FCRA guidelines. Re-aging debt or failing to validate ownership of debt is a violation of FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ). Experian has ignored my disputes and failed to delete this inaccurate collection. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I did not authorize this hard inquiry and no permissible purpose was given. FCRA 1681b states that consumer reporting agencies may only provide reports for permissible purposes. This is a direct violation and it must be removed immediately. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I never applied for credit with this company. The inquiry was done without my knowledge or consent. Reporting unauthorized inquiries is unlawful under FCRA 1681b and damages my credit score unfairly. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I did not initiate any credit request to XXXX. The inquiry was done without a valid application, breaching FCRA XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry There is no record of me applying for credit with this entity. I never gave authorization and the inquiry was fraudulent. FCRA 1681b ( c ) prohibits such inquiries without permissible purpose. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry This inquiry was made without my consent or application. This is in violation of my rights under FCRA 1681b, which mandates that only authorized inquiries are permissible. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I have never applied for credit through XXXX Credit. The inquiry was initiated fraudulently and must be removed under FCRA regulations. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I never gave XXXX XXXX XXXX XXXX permission to pull my credit. The inquiry has harmed my credit standing and must be removed as per FCRA 1681b. 
XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry I did not authorize this inquiry and no permissible purpose was established. This inquiry was either fraudulent or submitted in error, both of which are violations of FCRA 1681b. 
Experians ongoing failure to ensure the accuracy and legality of this information after numerous disputes and follow-up letters is a gross and willful violation of the Fair Credit Reporting Act. I am requesting the Consumer Financial Protection Bureau to enforce appropriate penalties and compel Experian to remove all inaccurate accounts, false addresses, unauthorized inquiries, and unverifiable data immediately.

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