Consumer complaint received 2025-06-27 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:
I am filing this complaint against Experian for continuously reporting inaccurate, incomplete, and unverifiable information on my credit report despite multiple previous disputes. Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly but not limited to 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy, and 15 U.S. Code 1681i ( a ), which mandates proper reinvestigation when a dispute is filed. Below are the accounts and inquiries that contain serious violations of the law and are causing undue harm to my creditworthiness and financial wellbeing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260000.00} Late Payment Issue : This account is inaccurately reporting late payments that I have already disputed. The reported delinquencies are not consistent with my actual payment history and have not been validated with proper documentation Violation : FCRA 15 USC 1681i ( a ), 15 USC 1681e ( b ) Story : I contacted both the furnisher and Experian and requested proof of the alleged late payments. No valid documentation was provided to support these derogatory marks. Experian failed to conduct a reasonable reinvestigation and simply verified inaccurate data without due diligence. These late payments are inaccurate, unverified, and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$980.00} Charge Off Issue : This account was charged off without prior valid notice and is reporting inaccurately regarding the balance and status. The reporting is outdated and does not reflect the real-time status of the account Violation : FCRA 15 USC 1681s-2 ( b ), 15 USC 1681e ( b ), and 15 USC 1681i Story : I previously disputed this charge-off due to inconsistencies in the balance and payment history. Experian failed to obtain adequate verification from XXXX XXXX and continued reporting the tradeline without corrections. This account should not reflect a charge-off status and the balance owed is incorrect. Experian 's failure to properly investigate and correct this issue constitutes willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$770.00} Collection Issue : This is a collection account reported without proper validation or notification as required under FDCPA and FCRA. The account does not belong to me and no proof of original debt has ever been provided Violation : FCRA 15 USC 1681e ( b ), 1681i ( a ), and FDCPA 15 USC 1692g Story : I never received any dunning notice or validation of this debt. I have disputed this account multiple times demanding validation from Experian and XXXX XXXX XXXX, yet they continue reporting it as a valid debt. Experian is knowingly reporting inaccurate, unverifiable information, and failing in its duty to remove or correct false data in violation of federal law XXXX XXXX XXXX dated XX/XX/XXXX Issue : I did not authorize this hard inquiry. There is no permissible purpose under FCRA for this inquiry to appear on my report Violation : FCRA 15 USC 1681b ( c ) Story : I never applied for credit with OneMain on or around the listed date. This inquiry was done without my consent, and I requested its deletion which was ignored by Experian. This is a clear breach of permissible purpose provisions under the FCRA and this inquiry must be removed immediately XXXX XXXX XXXX Hard Inquiry dated XX/XX/XXXX Issue : This hard inquiry was unauthorized and placed on my report without my knowledge or consent Violation : FCRA 15 USC 1681b ( c ) Story : I did not initiate any credit request with XXXX XXXX. This inquiry was made without my express permission, and I have previously requested it be removed. Experian has failed to take corrective action, and is therefore in direct violation of FCRA provisions protecting consumers from unauthorized access to their reports I am requesting that the CFPB conduct a full investigation into Experians noncompliance with federal law. I demand immediate deletion of the incorrect and unverifiable accounts and inquiries listed above. I also request Experian be held accountable for the damages caused by their negligent and willful actions under FCRA 15 U.S. Code 1681n and 1681o. These repeated violations have caused significant emotional distress, financial harm, and loss of opportunity. Please compel Experian to perform its legal obligations and ensure that only accurate, verified, and fully documented information remains on my report

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