Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this formal complaint against Experian for willfully and negligently reporting inaccurate and outdated information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple attempts to dispute and correct this information, Experian has failed to fulfill their obligation to investigate and remove erroneous data. The continued presence of inaccurate account information, obsolete inquiries, and unverifiable data has caused me ongoing financial harm, emotional distress, and has resulted in multiple denials of credit, job opportunities, and increased interest rates. The following are the erroneous entries currently being reported by Experian which I demand immediate investigation and permanent removal of under FCRA 15 U.S. Code 1681i ( a ) ( failure to reinvestigate disputed information ), 15 U.S. Code 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 15 U.S. Code 1681c ( a ) ( reporting obsolete information ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX High Balance : {$11000.00} Status : Late Payment this account is reporting inaccurate late payment data which I dispute as unverifiable. I have not received proper validation of the alleged delinquencies, and Experian has failed to conduct a reasonable investigation as required under FCRA Section 1681i ( a ). Reporting of these derogatory marks is causing me substantial harm in my financial reputation and is misleading future creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX High Balance : {$480.00} Status : Charge Off this account is reporting as a charge-off, however I have no recollection or validation from XXXX XXXXXXXX regarding this debt. No proper debt validation notice was sent to me and Experian has continued to furnish this derogatory information despite my disputes. This is in violation of FCRA 1681i ( a ) and 1681e ( b ) for failing to conduct a reasonable investigation and maintain accuracy. I demand full deletion of this unverifiable tradeline immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX High Balance : {$4200.00} Status : Late Payment I have continuously disputed this account due to the inaccurate and outdated late payments being reported. Experian has failed to reinvestigate my claims and has failed to provide me any documentation proving the legitimacy and accuracy of these derogatory remarks. This is a violation of FCRA 1681i ( a ) and 1681c ( a ) as some late marks date back more than 7 years from the date of delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX High Balance : {$3800.00} Status : Late Payment I dispute the accuracy of the late payments reported on this account. I was never properly notified, and no evidence has been shown that these marks are factually accurate. The presence of this account is negatively affecting my credit score, and Experian has refused to conduct a reasonable reinvestigation which is a direct violation of FCRA 1681i ( a ) XXXX XXXX XXXX XXXX XXXX Date XXXX High Balance : {$560.00} Status : Late Payment Experian is reporting this account with derogatory status without verifying it with XXXX or providing me with any documentation validating the reported payment history. This results in inaccurate representation of my creditworthiness and violates FCRA 1681e ( b ) XXXX XXXX XXXX XXXX XXXX Date Opened:05/06/2023 High Balance : {$530.00} Status : Late Payment I dispute the legitimacy and accuracy of the late payment being reported here. I have submitted disputes and have not received any documentation from XXXX or Experian verifying the delinquency. Experian is knowingly allowing this unverifiable account to remain on my file which is in violation of FCRA 1681e ( b ) and 1681i ( a ) XXXX XXXX XXXX XXXX  Date XXXX High Balance : {$860.00} Status : Collection this collection account is inaccurate and unverifiable. I have not received any debt validation under 15 U.S. Code 1692g of the FDCPA and have disputed this with Experian multiple times. The account is causing significant damage to my credit score and financial standing. Reporting a collection account without validation is a violation of FCRA 1681e ( b ) and 1681i ( a ) XXXX XXXX XXXX Inquiry XXXX I dispute this hard inquiry. I never authorized this company to access my credit report. Experian is in violation of FCRA 1681b ( a ) which requires consumer consent before a credit pull. This inquiry was unauthorized and is harming my creditworthiness XXXX XXXX XXXX Inquiry XXXX This hard inquiry was made without my consent or initiation. I never applied for credit from this company. Experian failed to ensure permissible purpose under FCRA 1681b and failed to protect me from unauthorized access XXXX XXXX XXXX XXXX XXXX Experian has allowed this hard inquiry without confirming that a valid permissible purpose existed. I did not authorize this pull, and the inquiry is damaging my score. This violates FCRA 1681b and is grounds for enforcement action XXXX XXXX Inquiry XXXX This inquiry was not authorized by me. I did not initiate any credit request with XXXX XXXX. Experians failure to ensure that this inquiry had a permissible purpose under FCRA 1681b ( a ) ( 3 ) constitutes a serious violation of my consumer rights XXXXXXXX XXXX XXXXXXXX XXXX XXXX I never authorized this inquiry. Experian has no documentation or permissible purpose to allow this company to access my report. This is a direct violation of FCRA 1681b, and Experian is responsible for ensuring all parties who access my file have legal authority These accounts and inquiries combined have destroyed my credit score and reputation. I have suffered multiple denials for auto loans, mortgages, and job applications due to Experians gross negligence and refusal to comply with federal law. I have sent prior disputes but Experian has ignored or failed to investigate adequately. I request that the CFPB take immediate action against Experian to compel deletion of these accounts and inquiries, impose penalties for willful noncompliance, and protect my rights under FCRA. I am also preparing to submit my complaints to the FTC and pursue legal action if Experian continues to mishandle my consumer data

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