Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I am filing this formal complaint against Experian for the willful and negligent inclusion of inaccurate and unverifiable information on my credit report. I have repeatedly attempted to dispute several items including incorrect addresses, inquiries that I never authorized, charge-offs, collections, and bankruptcy information that do not belong to me. Experian has failed to properly investigate and remove these items in accordance with federal law. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, particularly 1681i ( failure to investigate ), 1681e ( b ) ( failure to ensure maximum accuracy ), and 1681c ( obsolete information ). Below are the specific details of the inaccurate and damaging entries currently being reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address This address is not affiliated with me and should not be on my credit report. Reporting an inaccurate address can indicate mixed files or identity theft and may negatively impact my credit profile.

Violation of FCRA 1681e ( b ), 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address I have never lived at or been associated with this address. This listing is factually incorrect and must be deleted immediately. 
Violation of FCRA 1681e ( b ), 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Chargeoff * * This account was never opened by me. It is either the result of fraud or a file mix-up. I formally requested verification and Experian failed to provide adequate documentation.

Violation of FCRA 1681b, 1681i, 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX * * This is being inaccurately reported as charged off. There is no documentation provided by Experian to validate this debt or verify its ownership. 
Violation of FCRA 1681i, 1681e ( b ), 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * I do not recognize this account. It is being reported as a charge-off despite my dispute and no evidence being provided to justify the derogatory status. 
Violation of FCRA XXXX ( b ), XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX * * This account does not belong to me. It appears to be identity theft or a system error. Experian is reporting this despite receiving a formal dispute and request for investigation. 
Violation of FCRA 1681c-2, 1681i, 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} Collection * * I requested validation of this debt which was never received. Under FDCPA and FCRA, unverified debts must not be reported.

Violation of FCRA 1681i, 1681e ( b ), FDCPA 809. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was closed with a {$0.00} balance, yet it is marked as charged off. This is misleading and damaging. 
Violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX * * I do not recognize this account and believe it to be reported in error. My dispute was ignored and no reinvestigation was conducted. 
Violation of FCRA 1681i, 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX * * This account is inaccurately listed. I requested account-level documentation, which Experian failed to provide. 
Violation of FCRA 1681i, 1681b ( a ), 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1100.00} XXXX * * This entry is being reported without proper verification and is inaccurately listed as a charge-off. It must be removed or fully validated. 
Violation of FCRA 1681e ( b ), 1681i. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$890.00} XXXX * * I did not open this account. My identity XXXX have been compromised, and I previously submitted supporting documentation. 
Violation of FCRA 1681c-2, 1681i. 
XXXX XXXX XXXX XXXX XXXX Bankruptcy This bankruptcy entry is not mine. I never filed for bankruptcy in Pennsylvania. No proof has been presented despite my formal dispute. 
Violation of FCRA 1681e ( b ), 1681i, 1681c. 
XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry. I did not XXXX permission or initiate credit with XXXX. 
Violation of FCRA XXXX ( c ). 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. It was conducted without my consent. 
Violation of FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XX/XX/XXXX Unfamiliar inquiry. I never applied for credit with this lender. 
Violation of FCRA XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized this dealership or any third party to run my credit. 
Violation of FCRA 1681b ( a ) ( 1 ). 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or permission. 
Violation of FCRA 1681b ( a ) ( 3 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry is not associated with any credit application I made. 
Violation of FCRA XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I never sought credit from this company. 
Violation of FCRA XXXX. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is unfamiliar and was not consented to by me. 
Violation of FCRA 1681b.

I am requesting a full reinvestigation of each item listed above, pursuant to FCRA 1681i. If the information can not be verified, it must be permanently deleted from my credit file. Additionally, I request all results in writing, including the method of verification and contact information for each furnisher. I also demand that Experian correct these errors immediately to avoid further legal escalation. This situation has caused severe emotional distress, economic harm, and credit denials. Continued noncompliance will result in legal action under the FCRA and any other applicable consumer protection statutes.

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