Consumer complaint received 2025-08-23 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 Experian, As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which grants me the right to accurate, fair, and verifiable credit reporting. Upon reviewing my Experian credit report, I discovered multiple entries that are either inaccurate, misleading, unverifiable, or reported in violation of federal law. 

These errors are damaging my credit standing and financial opportunities. Under FCRA 611 ( a ), you are required to conduct a proper investigation within 30 days. If these items can not be verified with full documentation from the original creditor, they must be deleted immediately. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurate late payments. Under FCRA 607 ( b ), Experian must ensure maximum possible accuracy. If late payment records can not be validated with full payment history, this account must be corrected or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting delinquency history that can not be substantiated. Without proof, continued reporting violates FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX Shows a {$0.00} balance but is still listed as a charge-off, which is contradictory and misleading. This is inaccurate reporting in violation of FCRA 602 ( A ). 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrectly listed as charge-off with a {$0.00} balance. This is misleading, incomplete, and violates FCRA 607 ( b ). 

XXXX XXXX XXXX payment reporting is unsubstantiated. Under FCRA 611, unverifiable accounts must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported as a charge-off without full validation. This violates FCRA 609 ( a ) ( 1 ) which gives me the right to view original documentation. 

XXXX XXXXXXXX XXXX  Unverifiable late payment history. Without full validation, this account must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX  Again, late payments remain unverifiable. Continuing to report inaccurate data is a direct violation of FCRA 607 ( b ). 

XXXX XXXXXXXX XXXX XXXX XXXX  Reporting late payments without complete validation. This is inconsistent and misleading. 

XXXX  XXXXXXXX XXXX  This collection account can not be verified with original creditor documentation. Without proper validation, this must be removed under FCRA 611 ( a ). 

XXXX XXXX XXXXXXXX XXXX  Unverified {$65.00} collection. Under FCRA 609, I have the right to review validation documentation. If it can not be provided, this must be deleted. 

XXXX XXXX This reported collection is unverifiable and inaccurate. Please delete. 

XXXX XXXX XXXX This collection remains disputed and unverifiable. Reporting it violates FCRA 611. 

Unauthorized Inquiries The following inquiries were not authorized and must be removed under FCRA 604 ( a ) ( 3 ), which restricts access to my credit report without permissible purpose : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Final Notice I am formally demanding that Experian conduct a full investigation into these accounts and inquiries. If they can not be fully verified with proper documentation from the original creditors, they must be deleted immediately. 

Under FCRA 611 ( a ) ( 1 ) ( A ), you have 30 days to complete your investigation and provide me with written results. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I am also prepared to pursue legal remedies under FCRA 616 and 617 for willful and negligent noncompliance. 

I expect a written response confirming your actions.

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