Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). I have disputed multiple accounts and entries on my credit report that are inaccurate, outdated, or unverifiable. Despite these disputes, Experian has continued to report them without proper reinvestigation or validation in violation of FCRA 611 and 607 ( b ). 

Below is a list of the disputed items and the issues associated with each : Address : XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses are incorrect and should not be listed in my credit file. I have never lived at these addresses. Their continued presence is misleading and violates the accuracy requirement under FCRA 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows as a charge-off with {$82.00} owed. Experian failed to provide a signed agreement or full billing history upon my request. Without proper validation, this item must be deleted under FCRA 609 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as a charge-off with a {$560.00} balance. I never received proper notification or verification of this account. Continued reporting without validation violates FCRA 611. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  A {$50.00} charge-off. I have no knowledge of this account and have not received any validation from Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a late payment even though the balance is {$0.00}. This is inaccurate and misleading and must be removed. 

XXXX XXXX This account also reports a late payment with a {$0.00} balance. Such reporting harms my credit unnecessarily and is not supported with proper documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  A {$100.00} charge-off that remains unverified. I never received a billing statement or documentation validating this entry. 

XXXX XXXX XXXXXXXX XXXX A {$0.00} balance account marked as charged off. Continued derogatory reporting on an account that is paid is a violation of FCRA 607 ( b ). 

XXXX XXXX XXXX Account reports a {$16000.00} balance with multiple late payments. I requested the full contract and payment breakdown, which was not provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ) XXXX XXXX Two separate accounts with the same creditor and different balances ( {$12000.00} and {$6600.00} ) appear to be duplicate reporting, inflating the impact on my credit profile. This is a violation of FCRA 607 ( b ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A {$4200.00} charge-off reported without prior communication or validation of the debt. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two separate charge-off accounts reported by the same debt buyer with balances of {$800.00} and {$560.00}. These appear to be duplicates or unverifiable accounts. No validation has been provided despite my dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This {$750.00} collection account has not been validated by Experian. I did not receive a debt notice or right to dispute. 

XXXX XXXX  XXXX A {$1200.00} collection account I do not recognize and which remains unverified. 

XXXX XXXX XXXX A collection for {$890.00}. I have no record or documentation supporting this debt. 

XXXX XXXX XXXX ( XX/XX/year> ) This hard inquiry was made without my authorization and violates FCRA 604 ( a ), which requires a permissible purpose. 

I have formally disputed these entries with Experian and provided them a chance to investigate. However, they have either marked the accounts as verified without proper documentation or ignored the dispute. This disregard for consumer rights under the FCRA has negatively impacted my creditworthiness and caused unnecessary stress. 

I respectfully request that the CFPB investigate Experians violations and hold them accountable for noncompliance. I am also requesting the removal of all accounts listed above that can not be verified with proper supporting documentation.

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