Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint against Experian for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681. Experian has willfully and repeatedly failed to maintain accurate and verifiable information on my credit report. I have disputed several incorrect accounts, unauthorized inquiries, and wrong addresses which Experian continues to report without proper reinvestigation or lawful verification. The following entries are being reported incorrectly : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off * * Issue : This account is inaccurately reported as a charge-off with a {$0.00} balance. I have previously disputed this entry as I have never received any valid documentation or signed agreement related to this debt. This reporting is misleading and harmful. Under FCRA 1681i, Experian is required to conduct a reasonable reinvestigation, which they failed to do.

Law Cited : FCRA 1681e ( b ) Failure to assure maximum possible accuracy.

FCRA 1681i ( a ) Failure to properly reinvestigate disputed information. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Status : Charge-Off * * Issue : This charge-off account is inaccurately listed and I was never notified properly about this debt. The account is unverifiable and does not belong to me. No signed agreement or validation has been provided despite requests. The continued reporting constitutes willful non-compliance with FCRA. 
Law Cited : FCRA 1681b Permissible purpose not established.

FCRA 1681i ( a ) Failure to investigate disputes with diligence.

FCRA 1681e ( b ) Reporting inaccurate and unverified data. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Hard Inquiry Issue : This inquiry was made without my knowledge, consent, or permissible purpose. This is an unauthorized pull on my credit file which violates my consumer rights. 
Law Cited : FCRA 1681b ( c ) Inquiries require explicit authorization.

FCRA 1681n Civil liability for willful noncompliance.

FCRA 1681q Obtaining consumer information under false pretenses. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Hard Inquiry Issue : I never applied for any credit with XXXX XXXX XXXX. This is an unauthorized inquiry and negatively impacts my credit score. I demand proof of permissible purpose, which Experian has failed to provide.

Law Cited : FCRA 1681b Permissible purpose not demonstrated.

FCRA 1681c-1 ( b ) Block of information resulting from identity theft or fraud.

FCRA 1681e ( a ) Failure to maintain procedures to avoid violations. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Hard Inquiry Issue : I did not authorize this credit inquiry and did not initiate any application with XXXX XXXX XXXX XXXX during the listed period. This inquiry was reported without my consent and needs to be removed immediately. 
Law Cited : FCRA 1681b ( f ) Improper access of consumer report.

FCRA 1681e ( a ) Lack of reasonable procedures to prevent unauthorized access.

FCRA 1681n Civil penalties for willful violation. 
XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Type : Hard Inquiry Issue : I have not had any interaction or authorized any inquiry with XXXX XXXX XXXX  on this date. This inquiry appears to be fraudulent or conducted without my permission, thus violating the FCRA. 
Law Cited : FCRA 1681b ( c ) No permissible purpose established.

FCRA 1681q Misuse of consumer information.

FCRA 1681s-2 Duty of furnishers to provide accurate information.

Conclusion & Relief Sought : I am requesting CFPBs immediate intervention to investigate Experians willful non-compliance with the Fair Credit Reporting Act. I demand the deletion of the inaccurate charge-off accounts, removal of all unauthorized inquiries, correction/removal of all false addresses, and a formal explanation from Experian. These errors have severely damaged my credit score and reputation and caused me emotional distress and financial hardship.

Thank you for your assistance in this matter.

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