Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I am writing to formally file a complaint against Experian for reporting inaccurate, outdated, and legally noncompliant information on my credit report. The following accounts are being erroneously reported by Experian despite my good faith efforts to dispute and resolve these matters. This conduct violates multiple federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the FTC Act.

Timeline of Discovery : In XX/XX/year>XXXX during a routine credit file review, I discovered several derogatory items listed on my Experian report. These accounts either contain incorrect information, are obsolete, or were not properly validated. I promptly filed disputes with Experian and directly with furnishers, supplying all relevant documentation. Nevertheless, Experian continues to report these items, undermining my rights under federal law. 

Personal Impact : Due to Experian 's continued reporting of false and disputed information, I have suffered denials for credit, employment screening setbacks, and emotional distress. This has disrupted my financial recovery, delayed access to essential services, and damaged my ability to provide for my household. 

Accounts in Dispute and Applicable Legal Violations : XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment Legal Reference : FCRA 15 U.S.C. 1681e ( b ) - duty of accuracy in reporting. 

XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Erroneous charge-off with {$380.00} balance Legal Reference : FCRA 15 U.S.C. 1681i ; failure to reasonably reinvestigate. 

XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off of {$400.00} reported without verification Legal Reference : FDCPA 15 U.S.C. 1692g ( b ) - failure to validate disputed debt. 

XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Disputed charge-off of {$120.00} remains Legal Reference : FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) - failure to notify bureaus of dispute. 

XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unvalidated charge-off for {$8000.00} Legal Reference : FDCPA 15 U.S.C. 1692e ( 8 ) - reporting disputed debt as valid. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Issue : Inaccurate charge-off reported Legal Reference : FCRA 15 U.S.C. 1681s-2 ( b ) - failure to investigate post-dispute. 

XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX Issue : False late payment Legal Reference : FCRA 15 U.S.C. 1681e ( b ). 

XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Disputed charge-off for {$130.00} not corrected Legal Reference : FCRA 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXX XXXX Issue : Collection of {$1500.00} unvalidated Legal Reference : FDCPA 15 U.S.C. 1692g ( a ). 

XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect late payment reporting Legal Reference : FCRA 15 U.S.C. 1681e ( b ).

Requested Relief : Immediate reinvestigation by Experian per FCRA 1681i.

Removal of all unverifiable, inaccurate, or obsolete entries from my Experian credit report. 

Written confirmation of each deletion or correction. 

Disciplinary review of Experians failure to comply with FCRA procedures. 

Supporting documents, including dispute letters and my FTC Identity Theft Report, are attached. I respectfully urge the CFPB to take enforcement action to compel Experians compliance and restore the integrity of my credit record.

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