Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to their continued reporting of inaccurate, unverifiable, and unauthorized information on my consumer credit report. Despite previous disputes, Experian has failed to correct or delete multiple accounts, inquiries, and personal information that are causing serious and unjust harm to my credit profile. 

Below is a summary of each disputed item, including the issue, the legal violation, and the necessary corrective action : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$890.00} Date Opened : XX/XX/XXXX Status : Late Payments XXXX XXXX  Issue : Late payments reported during a hardship accommodation. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) ; CARES Act 4021 Experian is reporting missed payments during a documented COVID-19 hardship agreement, which is a direct violation of the CARES Act. This reporting is false and misleading. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX Issue : Charge-off with no verifiable documentation. 
Law Violated : FCRA 607 ( b ) ; FCRA 611 ( a ) Experian failed to provide any proof or original documentation supporting this charge-off, in violation of the requirement to maintain maximum possible accuracy. 

XXXX XXXX XXXXXXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Late Payments XXXX Issue : Inaccurate delinquency timeline. 
Law Violated : FCRA 623 ( a ) ( 5 ) ; FDCPA 807 ( 8 ) Late payments were reported that conflict with actual account activity. No evidence was provided to verify these delinquencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX  Issue : Charge-off reported without validation or notice. 
Law Violated : FDCPA 809 ( b ) ; FCRA 623 ( b ) I was not notified of this charge-off nor provided a chance to dispute it. Experian is reporting the tradeline without legal compliance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Status : Collection XXXX XXXX Issue : No debt validation received. 
Law Violated : FDCPA 809 ( a ) ; FCRA 611 ( a ) This third-party collection account is being reported without any validation letter or supporting documentation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Status : Collection XXXX XXXX Issue : Unauthorized and unverifiable debt. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 807 I never received verification of this debt, and it was placed on my credit report without any legal justification. 

XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Status : Collection XXXX XXXX Issue : Debt reported after failing to respond to a validation request. 
Law Violated : FDCPA 809 ( b ) ; FCRA 611 Despite my dispute, Experian has continued reporting this item without receiving validation from the furnisher. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$360.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX  Issue : Account reported without prior notice or dispute opportunity. 
Law Violated : FCRA 623 ( b ) ; FDCPA 809 I have no knowledge of this account, and no opportunity to dispute or validate the information was provided. 

XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Status : Inquiry Issue : Unauthorized inquiry damaging my score. 
Law Violated : FCRA 604 ( a ) This inquiry was not authorized by me and should not appear on my report. 

XXXX XXXX XXXX  Date : XX/XX/XXXX Status : Inquiry Issue : No permissible purpose. 
Law Violated : FCRA 604 ( a ) ( 3 ) Experian is reporting an inquiry I did not initiate. It was not authorized and violates FCRA regulations. 

XXXX XXXX XXXX Date : XX/XX/XXXX Status : Inquiry Issue : Inquiry without consumer consent. 
Law Violated : FCRA 604 ( a ) This inquiry was placed without my knowledge or permission. Experian must remove it immediately. 

XXXX XXXX XXXX XXXX, CA XXXX Issue : Incorrect and unrelated address on file. 
Law Violated : FCRA 607 ( b ) This address has no connection to me. Its inclusion on my report is inaccurate and poses a risk of identity confusion or fraud. 

Summary of Non-Compliance : Experian has failed to conduct proper investigations, continues to report unverifiable and outdated information, and is not ensuring the maximum possible accuracy of consumer data, in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ). In addition, reporting third-party debt without validation violates FDCPA 809.

Resolution Requested : I request that the CFPB intervene and require Experian to : Fully reinvestigate each item listed above Delete any item that can not be verified with original documentation Remove unauthorized inquiries and incorrect personal information Provide a written confirmation of all corrections made If this matter is not resolved promptly, I will escalate to the FTC, state regulators, and explore legal remedies.

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