Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
am filing this complaint against Experian for reporting inaccurate information on my credit report, failing to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ), and including unauthorized or inaccurate inquiries on my credit file. 

Experian has a legal obligation to ensure the accuracy of the information it reports. However, the bureau has been engaging in " parroting '' merely accepting information from furnishers without conducting an independent investigation. This practice has been the subject of legal scrutiny, and I am experiencing firsthand the harm caused by Experians negligence.

Accounts with Inaccurate or Incorrect Information : XXXX XXXX XXXX This account contains errors, and the information being furnished is inaccurate. 
XXXX XXXX XXXX The payment history and balance details are incorrect. 
XXXX XXXX The balance and status of this account are being inaccurately reported. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account is wrongly reported as charged off with a past due amount of {$1500.00}. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account was closed and paid in full with no late payments, yet it is still negatively affecting my report. 
XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX ) Two late payments were incorrectly reported on this account. 
XXXX XXXX ( Account # XXXX ) This account was wrongly charged off with a past due amount of {$83.00}. 
XXXX XXXX XXXX XXXXccount # XXXX ) This account has XXXX inaccurately reported late payments. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX, Account # XXXX ) This collection account contains errors and should not be reported as past due. 
Unauthorized or Inaccurate Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX Issue : This inquiry is scheduled to remain on my record until XX/XX/XXXX, despite being unauthorized. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Issue : This inquiry is scheduled to remain on my record until XX/XX/XXXX, even though I did not authorize it. 
Incorrect Personal Information : Experian is also reporting incorrect or outdated names on my credit file. The following names do not belong to me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct legal name is XXXX XXXX, and Experian must ensure that only accurate personal information is reported. 

FCRA Violations : Failure to conduct a reasonable investigation of disputed information. 
Failure to ensure maximum possible accuracy in consumer reports. 
Reporting unauthorized hard inquiries that were not initiated by me. 
Negligently or willfully including inaccurate information that harms my creditworthiness.

Resolution Requested : A full and thorough investigation into the disputed accounts listed above.

Immediate removal or correction of all inaccurate or unverifiable information.

Deletion of unauthorized inquiries that were not initiated by me.

Assurance that Experian will comply with its obligation to conduct independent investigations rather than relying solely on furnishers.

I demand a formal response from Experian detailing the corrective actions taken. If Experian fails to comply, I will explore further legal options to protect my rights.

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