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: FL

Complaint narrative:
I am submitting this complaint because Experian has failed to properly investigate and correct inaccurate information on my credit report despite numerous dispute attempts. This is now my eighth written dispute, yet Experian continues to report incorrect, unverifiable, and unauthorized information without providing documentation to support its accuracy. These reporting errors have significantly harmed my credit profile, limited my financial opportunities, and show a clear violation of the Fair Credit Reporting Act ( FCRA ). 

One of the main issues is XXXX  account number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$4700.00} * *. Experian is reporting this as a charge-off, but it is well beyond the seven-year reporting limit stated in 15 U.S.C. 1681c ( a ) ( 4 ). Despite repeated disputes, Experian has not provided any proof of the date of first delinquency or original documentation to support the validity of this account. Keeping this obsolete information on my credit file is not only inaccurate but also a direct violation of federal law. 

Another inaccurate account is XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX with a reported high credit of {$4500.00} XXXX XXXX This tradeline also shows discrepancies in reporting dates and amounts. Experian has failed to provide verification from the furnisher or original documentation, violating 15 U.S.C. 1681i ( a ) ( 5 ), which requires deletion of unverifiable information. Despite my repeated requests, this account remains on my report and continues to harm my credit score.

In addition, Experian is reporting an unauthorized inquiry from XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. I never authorized this inquiry, and Experian has ignored multiple disputes requesting verification of its permissible purpose. Under 15 U.S.C. 1681b ( c ), no credit inquiry should appear on a consumers report without authorization or a valid reason. The fact that this inquiry remains on my credit file without proof further demonstrates XXXX negligence. 

I have submitted multiple disputes over a lengthy period of time, yet Experian has failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and has not upheld its duty to ensure maximum possible accuracy under 1681e ( b ). This pattern of inaction and repeated reporting of unverifiable and unauthorized information is unacceptable and damaging to me as a consumer.

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Experian accountable for these violations. I am seeking the deletion of all unverifiable and obsolete accounts, removal of the unauthorized inquiry, and a corrected credit report. I also request that Experian be required to provide proof of their reinvestigation process and documentation for any information they continue to report.

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