Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute and privacy opt-out to Experian detailing each violation and requesting action within 1530 days. That notice included an itemized list of disputed entries, legal basis for each demand, and a request for documentation proving verification under FCRA standards. To date, Experian has failed to comply fully with my request, failed to validate the information as required, and has continued to disseminate this damaging, unverified information. 

I am submitting this complaint to formally document my dispute with Experian regarding multiple items currently being reported on my credit file. These items are inaccurate, unverifiable, outdated, and in some cases, outright defamatory. Despite my written dispute submitted to Experian on XX/XX/XXXX, there has been no adequate resolution. This failure to act has caused substantial damage to my financial credibility, delayed opportunities, and exposed me to reputational harm. 

Upon reviewing my credit report, I identified personal information and derogatory accounts that are either factually incorrect, reported without permissible purpose, or legally barred from being shared under federal consumer protection laws. This includes : Outdated and invalid personal identifying information, such as former addresses, phone numbers, and employment data that are no longer associated with me. These entries violate my privacy and create serious confusion in the reporting process. 

Negative tradelines, including but not limited to accounts reported by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX These accounts contain misinformation, such as incorrect late payment histories, unauthorized charge-offs, and duplicative listings that violate the Fair Credit Reporting Act ( FCRA ), particularly under sections that govern maximum data retention limits and accuracy requirements. 

Unauthorized hard inquiries listed on my file by lenders with whom I never initiated a relationship or gave written consent, such as XXXX, XXXX XXXX, XXXX, and XXXX. These inquiries directly violate 15 U.S.C. 1681b, which limits access to a consumers credit file to those with a legitimate and authorized purpose. 

Incorrectly reported student loan accounts from XXXX XXXX XXXX XXXX These are protected under the Family Educational Rights and Privacy Act ( FERPA ), and their dissemination to a third-party credit reporting agency without my written consent is a serious violation of my rights under 20 U.S.C. 1232g and the Privacy Act of 1974 ( 5 U.S.C. 552a ). 

XXXX failure to comply with its legal obligations under 15 U.S.C. 1681i ( a ) which requires a reasonable reinvestigation and timely resolution of disputed itemshas not only allowed these harmful inaccuracies to persist but has also demonstrated a clear lack of accountability in their data verification procedures. 

I submitted a comprehensive dispute letter requesting : Full reinvestigation of each disputed tradeline. 

Documentary evidence from data furnishers to support all negative account claims.

Immediate deletion of unverifiable, inaccurate, or outdated personal information.

Removal of unauthorized inquiries made without my express consent.

Immediate suppression of all accounts that violate privacy regulations and FERPA.

Experian has either ignored these requests or failed to provide the legally required documentation and response within the statutory timeline of 30 days.

This prolonged inaction and lack of transparency have not only impacted my financial stability, but also my emotional well-being and ability to qualify for housing, credit, and other essential services.

This dispute and Experians failure to resolve it violate multiple federal laws, including : 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681b Improper access to my consumer report without permissible purpose.

15 U.S. Code 1681e Failure to follow reasonable procedures to assure maximum possible accuracy.

20 U.S. Code 1232g ( FERPA ) Unlawful disclosure of educational records without consent.

5 U.S. Code 552a ( Privacy Act of 1974 ) Violation of privacy protections for personally identifiable information.

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