Consumer complaint received 2025-06-24 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:
To Whom It May Concern, I am filing this formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ), including failure to properly investigate, verify, or remove inaccurate and unauthorized information from my credit report. I have submitted XXXX rounds of disputes directly to Experian and have received no resolution or meaningful response. These inaccuracies are seriously damaging my credit profile and financial standing. 

Despite multiple efforts, Experian continues to report the following accounts and inquiries without proper verification : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reports multiple late payments without proper validation or supporting documentation.

Violation : FCRA 607 ( b ) Lack of maximum possible accuracy ; FCRA 611 No proper reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-off account not verified after multiple disputes. I never received debt validation. 

Violation : FCRA 609 ( a ) ( 1 ) No documentation provided ; FCRA 611 ( a ) No reinvestigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unfamiliar charged-off account remains on file without proper investigation or verification. 

Violation : FCRA 623 ( b ) Furnisher did not verify account ; Experian failed to follow up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX reported is inconsistent across reports ; Experian failed to address these inconsistencies. 

Violation : FCRA 607 ( b ) Inaccurate and misleading reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged-off account continues to be reported despite lack of documentation or validation. 

Violation : FCRA 611 & 609 No proof or account ownership provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unknown charge-off account with no supporting evidence or consumer acknowledgment. 

Violation : FCRA 602 ( a ) Reporting inaccurate personal information ; Possible identity theft risk. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-off account has not been validated despite multiple disputes. 

Violation : FCRA 611 Failure to conduct a reasonable reinvestigation. 

Unauthorized Hard Inquiries : Experian has allowed the following unauthorized hard inquiries to remain on my file without verifying that a permissible purpose existed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and no application or consent was given to access my credit report on these dates. 

Violation : FCRA 604 ( a ) ( 3 ) Credit report accessed without a permissible purpose or consumer authorization. 

Summary of the Complaint : Experian has failed in its legal responsibilities by : Ignoring multiple rounds of disputes. 

Refusing to remove unverifiable and inaccurate data. 

Allowing unauthorized parties to access my credit report. 

Providing no reinvestigation results or documentation required under the FCRA. 

This negligence and lack of compliance are causing continued harm to my credit standing and emotional distress. I have exhausted all options and am now turning to the Consumer Financial Protection Bureau for assistance.

Resolution Requested : Immediately investigate and delete the inaccurate accounts listed above. 

Remove all unauthorized hard inquiries. 

Provide documentation of all reinvestigation efforts and validation materials. 

Enforce FCRA compliance and hold Experian accountable for negligence. 

If this matter is not resolved promptly, I am prepared to escalate this to the Federal Trade Commission ( FTC ) and my State Attorney General 's Office.

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