Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by continuing to report inaccurate, unverifiable, and unauthorized information on my credit report, despite multiple attempts to correct these issues. 
I have discovered numerous inaccurate and damaging entries, including charge-offs, collections, and hard inquiries that I did not authorize. These inaccuracies are having a significant negative impact on my creditworthiness, and Experian has failed to conduct a reasonable investigation as required by law. 
XXXX. XXXX XXXX  Account # XXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX Issue : Charge Off reported inaccurately. 
FCRA Violations : o 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

o 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation after dispute. 
XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX High Balance : {$3400.00} Date Opened : XX/XX/XXXX Issue : Charge Off reported inaccurately. I have no contractual relationship with this creditor. 
FCRA Violations : o 15 U.S.C. 1681e ( b ) : Reporting information not verified for accuracy.

o 15 U.S.C. 1681i : No proper reinvestigation despite dispute request. 
XXXX. XXXX XXXX XXXX Account # XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Issue : Collection account placed without proper validation or notice. 
FCRA Violations : o 15 U.S.C. 1681b : No permissible purpose for the account reporting.

o 15 U.S.C. 1681g : Failure to provide me complete details upon request.

o 15 U.S.C. 1681i : Failure to investigate dispute properly. 
XXXX. Unauthorized Hard Inquiries : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX : I did not authorize these inquiries nor did I apply for any related services. 
FCRA Violations : o 15 U.S.C. 1681b ( c ) : No permissible purpose for hard inquiry.

o 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses.

Summary of FCRA Violations by Experian : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i : Failure to conduct proper dispute investigations.

1681b ( f ) : Reporting and allowing unauthorized access to credit file. 
1681g : Refusal to provide full disclosure of disputed accounts.

1681s-2 ( b ) : Failure of furnishers to investigate and correct disputed information.

Request for Relief : I respectfully request the CFPB to take immediate action against Experian and ensure : 1. Removal of all inaccurate and unverifiable accounts and inquiries listed above from my Experian credit report.

2. A full and thorough reinvestigation of each item with proper validation from original creditors and debt collectors.

3. Written confirmation from Experian that these items have been deleted. 
4. Penalties and enforcement against any furnishers or data users who violated my rights under FCRA. 
I am attaching all relevant documents, including a copy of my credit report, dispute letters, and proof of unauthorized activity. 
I believe Experian has failed in their legal obligation to maintain accurate records and to protect consumer rights as outlined in federal law. I ask the CFPB to investigate this matter thoroughly and enforce necessary corrective 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