Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I am submitting this complaint against Experian for failing to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and misleading information on my credit report. I have disputed the following items directly with Experian, but they have either failed to conduct a lawful reinvestigation or allowed damaging and unvalidated data to remain. 

Below is a detailed breakdown of each disputed item and the legal basis for my complaint : Wrong Address Reporting ( Violation of FCRA XXXX ( b ) ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have never lived at or been affiliated with these addresses. Experian has failed to verify identity data before associating it with my file. Reporting false personal data without verification violates the requirement for maximum possible accuracy under FCRA 1681e ( b ). 

Disputed Accounts : XXXX. XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Inaccurate late payments during COVID hardship Violation : FCRA 1681s-2 ( b ), CARES Act I requested assistance under the CARES Act and was told the account would not report negatively, yet late payments appear. Experian did not verify this hardship status. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$7900.00} Issue : Charge Off reported without validation Violation : FCRA 1681i ; FDCPA 809 ( b ) No documentation or signed agreement was provided. I disputed this account and received no valid response. 

XXXX XXXX XXXX XXXX XXXX 

Acct # : XXXX Opened : XX/XX/XXXX Balance : {$990.00} Issue : Charge Off never validated Violation : FCRA 1681i, FDCPA 807 This account was never verified with original documents, and the balance reporting appears to be inflated or incorrect. 

XXXX. XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Charge Off Violation : FCRA 1681e ( b ) This charge-off continues to report despite multiple disputes and lack of proper response from the creditor. Experian failed to reasonably reinvestigate. 

XXXX & XXXX. XXXX XXXX ( XXXX Entries ) Acct # XXXX : XXXX Opened XX/XX/XXXX Balance {$10000.00} Acct # XXXX : XXXX Opened XX/XX/XXXX Balance {$2900.00} Issue : Duplicate charge-off reporting Violation : FCRA 1681e ( b ), 1681i These appear to be duplicate entries for the same debt, reported separately to increase the negative impact. This is a deceptive and unfair practice. 

XXXX. XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Issue : Charge Off with unverified reporting Violation : FCRA 1681e ( b ) The balance and payment history show inconsistencies. Experian failed to validate the account with supporting documentation upon dispute. 

XXXX XXXX : XXXX. XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry Violation : FCRA XXXX ( a ) ( XXXX ) I did not apply for credit with XXXX and did not authorize this inquiry. No permissible purpose exists. Experian is required to remove unauthorized inquiries but has failed to do so.

Requested Resolution : Immediate deletion of all inaccurate or unverifiable accounts and addresses. 

Removal of the unauthorized inquiry. 

A full reinvestigation into each item. 

A written response from Experian with investigation results and an updated report. 
Harm Caused : These inaccurate and unvalidated items have damaged my credit score, prevented me from obtaining essential credit, and caused significant emotional and financial stress. Experians failure to follow FCRA guidelines is negligent and harmful.

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