Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
To whom it may concern I am filing this complaint against Experian due to numerous serious inaccuracies on my credit report which are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing me continued financial and emotional distress despite multiple attempts to resolve these matters directly with Experian. These errors include the reporting of inaccurate personal information unauthorized or unverifiable hard inquiries accounts with incorrect statuses and balances and derogatory remarks that do not meet the legal standards of proper investigation and reporting as required by federal law The following inaccurate and unauthorized items are being reported by Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This address is inaccurately reported on my credit file. I have never resided or been associated with this address. Reporting this wrong address violates FCRA Section 607 ( b ) which mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. This also raises red flags for potential mixed file issues XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} Status : Charge Off Issue : This account is inaccurately marked as a charge-off and contains an incorrect balance and status. I dispute the validity of the charge-off and believe the account was not properly verified. No proper notice was provided and Experian failed to reasonably investigate under FCRA Section 611. Reporting a charged-off account without full validation also violates FCRA Section 623 which requires furnishers to provide accurate and complete information XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Status : Collection Issue : This account is being reported as a collection despite the fact that I have not received proper verification or notice of collection activity. This account was never authorized by me and there is no documentation provided to confirm its legitimacy. Experians failure to verify the debt and continued reporting constitutes willful noncompliance under FCRA Section 611 and 623 XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Status : Charge Off Issue : I dispute the validity and accuracy of this charged-off account. I never received any written communication or opportunity to validate this debt prior to its appearance on my report. Experian did not complete a proper reinvestigation as required under FCRA Section 611 nor did they confirm the accuracy of this derogatory entry before publishing which is a violation of Section 607 ( b ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was made without my knowledge or consent and was never authorized by me. Under FCRA Section 604 ( a ) ( 3 ) a consumer reporting agency may furnish a consumer report only when there is a permissible purpose. This inquiry lacks any valid authorization and should be removed XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was made without permissible purpose or consent which is a violation of FCRA Section 604. I never applied for credit with this company. Experian is responsible for ensuring all inquiries have lawful authorization prior to listing them on my credit file XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry was unauthorized and is being reported without my consent or application for credit with Ally Financial. The presence of this inquiry is causing harm to my credit standing and violates FCRA Section 604 ( a ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I never authorized this inquiry and it does not meet the criteria of permissible purpose under FCRA Section 604 ( a ) ( 3 ). Experian failed to ensure that this inquiry was valid and lawfully obtained XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was not authorized by me. I did not initiate any credit request or application with XXXX XXXX XXXX XXXX on or around this date. This unauthorized inquiry violates FCRA Section 604 and must be removed My credit report is being severely damaged by Experians continued failure to uphold its legal obligations under the Fair Credit Reporting Act. These inaccurate accounts and inquiries are affecting my ability to obtain employment housing and credit and are causing emotional stress and reputational damage. Experian has demonstrated gross negligence in its duty to report information accurately and in a verified manner. I have sent prior disputes and Experian failed to provide sufficient investigation or resolution. The presence of incorrect personal addresses unverifiable and false accounts and hard inquiries without consent reflect a systemic failure by Experian to comply with FCRA Section 602A which guarantees fair and accurate credit reporting I am demanding that Experian immediately delete or correct the above listed inaccurate and unverifiable information and conduct a thorough reinvestigation with all relevant furnishers as required by FCRA Section 611 and furnish me with written results of the reinvestigation. I am also requesting that the CFPB intervene to ensure that my rights under federal law are enforced and that Experian is held accountable for its repeated and willful violations of consumer protection laws

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