Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Experian for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. Experian has failed to lawfully investigate and resolve numerous disputes I have submitted concerning inaccurate, unverifiable, and unauthorized information reported on my credit file. Despite my repeated requests, Experian continues to furnish derogatory accounts and inquiries that have not been validated, many of which were reported without my consent or knowledge. 

The following accounts are currently being reported and are in dispute due to lack of debt validation and consumer authorization XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) {$1500.00} collection account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) {$6100.00} collection account XXXX XXXX XXXX {$520.00} collection from debt buyer with no original agreement or signed authorization XXXX XXXX {$4700.00} collection account ; I have not received any validation documentation for this alleged debt XXXX XXXX XXXX {$19000.00} charged-off auto loan ; no validation of debt or proof of default has been provided XXXX XXXX XXXX {$12.00} charged-off account ; no verification of claim XXXX XXXX {$540.00} charged-off account reporting monthly with no authorization to collect XXXX XXXX XXXX XXXX XXXX  {$92.00} charged-off account ; no evidence provided to verify the legitimacy of this debt XXXX XXXX XXXX {$77.00} charged-off account ; no signed contract or authorization on file In addition to the above, there are numerous hard inquiries that appear on my report which I did not authorize, including but not limited to XXXX XXXX XXXX  Multiple auto-related inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more all submitted in rapid succession , suggesting inquiry stacking or misrepresentation of permissible purpose These inquiries were made without my consent and violate FCRA 604, which requires a permissible purpose for accessing consumer credit reports. These actions not only misrepresent my credit activity but may also indicate unauthorized use of my identity. 

I have made numerous attempts to resolve these issues directly with Experian. I submitted disputes and requested validation and deletion of the entries listed above. I have not received proper investigation results or any verification documents as required by FCRA 1681i ( a ) and FDCPA 809 ( a ) [ 15 U.S.C. 1692g ].

Furthermore, Experian 's continuous publication and distribution of my sensitive personal and financial datawithout my consent and in violation of data accuracy and verification standardsconstitutes identity theft under 18 U.S.C. 1028 and violations of Gramm-Leach-Bliley Act ( GLBA ) data handling provisions.

I demand the following actions be taken : Immediate investigation into Experians failure to comply with FCRA and FDCPA regulations.

Removal of all unverified, unauthorized, and inaccurate accounts and inquiries from my credit report.

Enforcement action to ensure Experian ceases illegal reporting practices and provides full documentation upon future consumer dispute filings.

Protection of my identity and prevention of further misuse of my credit file by third parties without my explicit written consent.

I have also filed a formal FTC Identity Theft Report, which is included in my supporting documentation. I respectfully request that the Consumer Financial Protection Bureau take action and hold Experian accountable for its ongoing misconduct and disregard for federal 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