Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a detailed written dispute to Experian on XX/XX/XXXX, regarding multiple inaccurate items on my Experian credit report. In that letter, I identified several incorrect personal information entries, erroneous account listings, and unauthorized hard inquiries ( all described below ) that were appearing on my report. It has now been well over 30 days since Experian received my dispute, yet Experian has not responded to my letter nor corrected the disputed items. This exceeds the timeframe allowed by the FCRAs dispute process Experian was required to investigate and respond within 30 days ( per 15 U.S.C. 1681i ) but failed to do so. By failing to correct or remove the clear errors I reported, Experian is not upholding its duty under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy of the information in my credit report. Additionally, Experian has not deleted the information that can not be verified as accurate, violating 15 U.S.C. 1681i ( 5 ) which mandates removal of unverifiable data after a dispute. The fact that these items remain unchanged also indicates that the furnishers ( creditors/collection agencies ) have not fulfilled their obligations under 15 U.S.C. 1681s-2 to supply correct data and to investigate and resolve disputes. I am filing this complaint because Experians inaction is a direct violation of the FCRA, and it is causing significant harm by allowing false and damaging information to stay on my credit report. Disputed Personal Information Entries : ( as detailed in my XX/XX/XXXX dispute letter to Experian ) XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Outdated address. I no longer live at this address. It is obsolete and should not be listed as a current address on my Experian report. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Invalid address entry. This address is incorrectly formatted or entirely incorrect ( XXXX XXXX XXXX XXXX XXXX is not a place I have resided ). It should be removed from my personal information. 
XXXX Employer : ACEICS Incorrect employer. ACEICS is not an employer associated with me. This inaccurate employment entry should be deleted, as my actual employer ( XXXX XXXX XXXX ) is already correctly listed. 
Disputed Account Entries : ( appearing on Experian report ; all disputed via my XX/XX/XXXX letter ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$1100.00} ) Unverified collection account. This collection for a XXXX debt is not valid I do not recognize any debt owed to XXXX. I requested validation, but none was provided. Reporting this debt without verification violates XXXX FCRA duty to report only confirmed accurate information. 
XXXX XXXX  XXXX XXXX ( Collection Original Creditor : XXXX XXXX XXXX XXXX {$1100.00} ) Duplicate/legacy account. This entry is a duplicate of the above XXXX collection ( likely an older listing showing the account as closed ). The debt was transferred, yet this redundant record remains on my report. Its an inaccurate duplication that Experian should have removed to avoid confusion and harm. 
XXXX XXXX XXXX ( Credit Card Charge-off, ~ {$3700.00} ) Inaccurate charge-off record. This XXXX XXXX tradeline is reported with a charge-off and outstanding balance, but the information is questionable. The account was charged off and possibly sold, so the current reporting may be outdated or incorrect. Experian has no proof that this account information is accurate or belongs on my report in its current form, yet it remains. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Wrongful late payment reporting. This student loan account on my Experian report shows multiple late payments that are not accurate. I had disputed these delinquencies, but Experian left the erroneous data in place. There is no evidence to substantiate the reported late payments, indicating the data is incorrect. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Unverified derogatory marks. Similar to XXXX, this separate XXXX loan is marked with late payments that I did not actually make late. The furnisher has not verified these derogatory marks as accurate. These errors should have been corrected or removed, but Experian continues to report them. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Duplicate error on loan account. This loan account contains the same kind of incorrect late payment information as the other XXXX loans. It appears the same reporting mistake was duplicated across multiple accounts, which magnifies the inaccuracy. Experian should not be reporting this erroneous data multiple times. 
XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX Inaccurate late payment data. Another student loan tradeline showing late payments that I dispute as incorrect. As with the other loans, these reported delinquencies have not been verified with any proof. The consistency of this error across my student loan accounts underscores a serious accuracy problem. 
Unauthorized Hard Inquiries : ( on Experian report ; disputed as unauthorized in my XX/XX/XXXX letter ) XXXX XXXX Card ( XXXX  ) Hard inquiry from XX/XX/XXXX. Not authorized. I never applied for a XXXX credit product on that date, so I did not authorize this inquiry on my Experian file. It lacks a permissible purpose under the FCRA. 
XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX. Not authorized. I had no mortgage or loan application with XXXX XXXX  on or around this date. I did not consent to this credit check appearing on my report. 
XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX. Not authorized ( duplicate ). I did not authorize this second inquiry by XXXX XXXX. It appears to be a duplicate pull around the same time as the XX/XX/XXXX inquiry, both done without my permission. 
XXXX XXXX XXXX Hard inquiry from XX/XX/XXXX. Not authorized. I was not seeking new credit with XXXX XXXX at that time and gave no authorization for them to pull my credit. This inquiry is invalid. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX. Not authorized. During a car purchase inquiry, my credit was pulled by this dealership/auto finance company without my explicit consent on that date. I did not approve this hard inquiry on my Experian report. 
XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX. Not authorized. I did not initiate any transaction or credit request with XXXX XXXX  in late XXXX that would justify this inquiry. It was done without my knowledge or approval. 
All of the above items were clearly highlighted in my XX/XX/XXXX dispute letter to Experian, yet Experian has failed to take any action to investigate or correct these issues within the required 30-day period. Under the FCRA, Experian should have either verified these items as accurate ( with appropriate proof ) or deleted them from my credit file by now. Instead, the obsolete personal data, erroneous accounts, and improper inquiries remain, which is damaging to me and unlawful under federal law.

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