Consumer complaint received 2025-07-24 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: CO

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Despite multiple disputes, my Experian report continues to contain inaccurate, unverifiable, and non-compliant accounts and payment histories. These errors have not been properly investigated as required by law. 

The following accounts are in dispute : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off with improper balance reporting. 

XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate status and balance reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account with unverifiable balance ; 120+ day delinquency reported. Duplicate collection entry for the same debt as XXXX. 

XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate collection entry for the same debt as XXXX. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Improper aging, inconsistent dates of last activity ; 120+ day delinquency reported. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  Inconsistent reporting and unverifiable balance. 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate status and unverifiable balance. 

XXXX XXXX Bank ( XXXX XXXX XXXX Improper balance/status reporting. 

XXXX  XXXX XXXX XXXX  ( XXXX XXXX  XXXX XXXX ) Unverifiable account with inaccurate details. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inaccurate reporting of account status and dates. 

XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Improper payment history and balance reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverifiable and inaccurate account ; 30/60-day delinquencies reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off revolving account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple late payments ( 30, 60, 90 days ) before closure. 

XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid account but still reflecting derogatory history and 30-day delinquency. 

XXXX XXXX account. 

Additionally, my report contains outdated and inaccurate personal information, including old addresses and incorrect employer listings, which I have requested to be removed but remain on file.

These actions violate : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.

I request that the CFPB require Experian to : Fully validate all disputed accounts ( original signed contracts, full payment histories, and chain of title for transferred debts ).

Delete any unverifiable or inaccurate information, including late payments and duplicate entries.

Remove outdated personal information ( old addresses, employers ).

Provide a written explanation of the method of verification used for each disputed item.

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