Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, due to inaccurate, incomplete, and unverifiable information being reported on my credit file. Despite several attempts to resolve these issues directly with Experian, they have failed to conduct a reasonable investigation or correct the false information. I am suffering financial harm and reputational damage due to their negligence and non-compliance with federal law. Below is a detailed list of the inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$460.00} Issue : This account is being reported with a late payment which I dispute as inaccurate. I never missed a payment on this account. The late payment is damaging my credit unfairly. 
Law Violated : FCRA 1681i ( a ) Experian is required to conduct a reasonable reinvestigation if the consumer disputes the accuracy. FCRA 1681e ( b ) Information must be complete and up to date. 
Story : I have requested proof of the alleged delinquency, but no validation has been provided. Experian continues to report this despite the lack of evidence. This inaccurate reporting is impacting my creditworthiness and causing me emotional and financial distress. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Issue : This is a collection account that I do not recognize or owe. No prior notice of debt or validation has been provided to me as required by law. 
Law Violated : FCRA 1681i ( a ), FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt before reporting to the credit bureaus. 
Story : Reporting a collection without proper validation is deceptive and harmful. This debt has never been acknowledged by me, and Experian has failed to verify its legitimacy before including it in my credit report. This is causing unjustified damage to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$360.00} Issue : This account is being reported as a collection without my knowledge or consent. No letter of collection, notice, or validation has been provided to me.

Law Violated : FCRA 1681e ( b ), 1681i ( a ), FDCPA 809 ( 15 U.S.C. 1692g ) Story : I never received communication regarding this debt. Reporting this item without validation is in direct violation of consumer protection laws. Experian has continued to report this collection despite my formal dispute and has provided no proof that the information is accurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This charge-off account is being reported inaccurately. There is no supporting documentation proving this charge-off, and the balance is showing as XXXX, which is inconsistent and misleading. 
Law Violated : FCRA 1681i ( a ), 1681e ( b ) Story : If the balance is {$0.00}, then it should not be reported as a charge-off, as that creates a false impression. Experians reporting of this item is inconsistent with industry reporting standards and violates the principle of maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} Issue : This charge-off account is outdated and unverified. It is being reported without proper substantiation and is beyond the legal reporting period. 
Law Violated : FCRA 1681c ( a ) ( 4 ) Negative information older than 7 years should not be reported.

Story : This account is from over 7 years ago and should no longer be on my credit report. Experian is knowingly reporting outdated, obsolete, and damaging information that is hurting my chances of obtaining credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : A late payment is being reported on a closed account with a {$0.00} balance, which is misleading and unjustified. 
Law Violated : FCRA 1681e ( b ), 1681i ( a ) Story : A {$0.00} balance account should not be showing derogatory remarks if there are no active or current obligations. This creates a negative impact on my credit profile and is not a fair reflection of my credit behavior. 
XXXX XXXX XXXX  Hard Inquiry XX/XX/XXXX Issue : This inquiry was made without my authorization or permissible purpose. I did not apply for any credit with XXXX XXXX on this date. 
Law Violated : FCRA 1681b ( c ) A hard inquiry must be made with the consumer 's consent or for a permissible purpose.

Story : I never authorized this inquiry. Experian is reporting it without verifying whether I consented to it. Unlawful inquiries lower my credit score and reduce my chances of obtaining favorable credit terms. Experian has failed to delete it after my formal dispute. 
I am requesting the CFPB to launch an immediate investigation into Experians violations of the FCRA and FDCPA. I demand the deletion of all inaccurate accounts, collections, charge-offs, inquiries, and personal information that have been outlined above. Experian must be held accountable for continuously reporting inaccurate data and for failing to protect my rights as a consumer. 
Requested Resolution : Permanent deletion of all the above accounts, inquiries, and incorrect addresses from my Experian credit report and confirmation in writing that these changes have been made.

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