Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian for failing to correct, investigate, or delete inaccurate, unverifiable, and obsolete information from my credit report, despite multiple disputes filed directly with their dispute department. Experian has continued to report several items that are factually incorrect, unverifiable, and damaging to my credit profile, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The following items remain inaccurately reported on my Experian credit file : Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : FCRA 1681c ( a ) ( 4 ), 1681e ( b ) Issue : I have never lived at or used these addresses. Experian has failed to remove them despite clear disputes and proof of my actual residence. 

Unverifiable and Inaccurate Charge-Off Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : FCRA 1681e ( b ), 1681i, 609 ( a ) ( 1 ) ; Metro 2 Compliance Issue : These accounts either report incorrect balances, outdated charge-off statuses, or remain unverified by the furnishers. Some reflect {$0.00} balances yet are marked as charge-offs, which is contradictory. Others are past the 7-year reporting limit or were charged off while I was actively communicating with creditors. Despite my formal disputes, Experian has failed to validate or delete them. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose Issue : I did not authorize these companies to pull my credit report. I never applied for credit, loans, or any services with them. Reporting these inquiries has harmed my credit score, and my dispute to Experian went unaddressed.

Personal Statement : Over the last several years, I have faced financial and personal hardship, including job loss and family health emergencies. I am now working hard to rebuild my credit. However, Experians failure to maintain accurate records, remove unverifiable accounts, and investigate clearly disputed entries is directly hindering my progress. Despite my formal disputes with supporting information, Experian continues to report this inaccurate data. 

Requested Action : I respectfully request that the CFPB investigate Experians failure to : Remove unverifiable and inaccurate data Investigate disputed information in a timely and lawful manner Comply with the FCRA and FDCPA Stop reporting hard inquiries for which there was no permissible purpose I am requesting full deletion of all unverifiable accounts, inaccurate addresses, and unauthorized inquiries. Please hold Experian accountable for violating my consumer rights and ensure the integrity of my credit report is restored. 

Thank you for your attention to this matter.

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