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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian Information Solutions , Inc. for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. Despite multiple efforts to resolve the inaccuracies on my credit report, Experian has continued to report inaccurate, incomplete, and unverifiable information that is damaging my credit profile and affecting my financial well-being.

Below are the specific accounts and inquiries I am disputing : XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3300.00} Issue : Late Payments reported inaccurately. 
Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

Story : I have requested verification of these late payments, yet no concrete validation has been provided. The creditor failed to report accurately and Experian failed to reinvestigate appropriately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} Issue : Late payments reported on an account with disputed terms.

Violation : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

Story : I never received proper billing notifications from this account. I formally disputed this in writing but no reinvestigation was done. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$7800.00} Issue : Inaccurate late payments for a federal student loan. 
Violation : FCRA 1681c ( a ) ( 4 ) Reporting outdated information.

Story : This loan was in deferment/forbearance status when Experian reported late payments. This is misleading and inaccurate. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : False late payments damaging payment history.

Violation : FCRA 1681i Failure to reasonably reinvestigate disputed data.

Story : I paid this account on time via autopay. Disputes went unanswered and no proof of delinquency was given. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXX ) * * High Credit : {$1000.00} Issue : Inaccurate payment status and reporting. 
Violation : FCRA 1681e ( b ) Reporting inaccurate information.

Story : This account was settled in full before the due date. Yet Experian continues to report it as late. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$25000.00} Issue : Charge-off inaccurately reported after vehicle was repossessed and settled. 
Violation : FCRA 1681s-2 ( b ) Failure to correct inaccurate data upon notice.

Story : This account was settled through repossession and I was informed no balance was due. Experian is inaccurately showing it as a charge-off. 
XXXX XXXX XXXXXXXX. Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1000.00} Issue : Multiple late payments reported without proper verification. 
Violation : FCRA 1681i ( a ) ( 5 ) Failure to remove or correct inaccurate information after dispute.

Story : I disputed these payments as they resulted from fraudulent charges. Experian has kept the inaccurate data without valid reinvestigation. 
XXXX  XXXX Acct : XXXXXXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) * * High Credit : {$6200.00} Issue : False late payment entries. 
Violation : FCRA 1681e ( b ) Story : This account was under payment plan arrangement, and was never due when marked late. I have submitted proof multiple times with no resolution. 
Unauthorized or Excessive Hard Inquiries : List of Hard Inquiries ( All without my authorization or not related to any legitimate credit application ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These hard inquiries were pulled without permissible purpose.

Violation : FCRA 1681b Lack of permissible purpose for accessing my credit.

Story : I did not apply for any mortgage or credit products with these companies. I never authorized these inquiries, and Experian failed to investigate or remove them upon dispute.

Conclusion : Experian has failed to : Ensure the maximum possible accuracy of the information it reports ( FCRA 1681e ( b ) ).

Conduct proper reinvestigation ( FCRA 1681i ( a ) ).

Remove outdated and unverifiable data ( FCRA 1681c ).

Prevent unauthorized access to my credit file ( FCRA 1681b ).

I am requesting the CFPB to conduct a full investigation into these violations and compel Experian to : 1. Permanently delete the inaccurate and unverifiable accounts and inquiries from my credit report.

2. Provide a complete reinvestigation response with documentation.

3. Prevent further reporting of inaccurate or unauthorized data.

4. Sanction Experian for repeated FCRA noncompliance and failure to protect consumer rights.

Thank you for your assistance in this matter. I am attaching supporting documentation and previous dispute attempts.

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