Consumer complaint received 2025-06-24 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:
Dear CFPB, I am writing to formally lodge a complaint against Experian for reporting inaccurate, misleading, and unverified information on my credit report, which is causing me significant financial and emotional hardship. Despite multiple efforts to resolve these issues directly with the credit reporting agency, they have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, specifically sections : 1681e ( b ) Failure to maintain maximum possible accuracy 1681i ( a ) Failure to reasonably investigate consumer disputes 1681b ( f ) Unauthorized access or inquiry without permissible purpose Below are the specific accounts and items being reported incorrectly or without proper verification : XXXX. XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Issue : Late Payments Details : This account is inaccurately reflecting late payments. I formally requested verification of these delinquencies under 15 U.S. Code 1681i, yet no supporting documents were provided. The reporting remains despite lacking validation, which is a clear violation of the FCRA.

Applicable Law : 15 U.S. Code 1681e ( b ) Failure to ensure accuracy 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed item XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Issue : Late Payments Details : This account is inaccurately reflecting late payments which I fully dispute. I requested validation from Experian, yet I did not receive any documentation verifying the delinquency. This negatively affects my credit standing and violates the FCRA 's reasonable investigation requirement. 
Applicable Law : 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( a ) XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Issue : Charge Off Details : Affirm is reporting a charged-off status without verifying the debt. I have not received any collection notices or detailed account statements to support this status. Experian continued to report this derogatory mark even after a formal dispute request, violating consumer rights under the FCRA. 
Applicable Law : 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( a ) XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Hard Inquiry Without Authorization Details : This inquiry was made without my knowledge or consent and without any permissible purpose. I never applied for credit or services with XXXX XXXX XXXX, and this constitutes unauthorized access. 
Applicable Law : 15 U.S. Code 1681b ( f ) Access without permissible purpose XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Hard Inquiry Without Authorization Details : I never initiated any credit application or authorized XXXX XXXX XXXX to access my credit file on the stated date. This unauthorized inquiry caused my credit score to drop without justification.

Applicable Law : 15 U.S. Code 1681b ( f ) Unauthorized credit pull Personal Statement : I have faced tremendous mental stress and denial of essential financial services because of these inaccurate, outdated, and unverifiable records being reported by Experian. My repeated attempts to rectify these errors were met with generic responses and no real investigation as required under FCRA 1681i ( a ). The failure to maintain accurate data and the inclusion of hard inquiries without my consent not only breaches federal law but also severely damages my ability to secure employment, housing, and credit.

I request immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) to ensure that Experian : 1. Conducts a full and thorough reinvestigation of each disputed item.

2. Deletes or corrects any unverifiable, inaccurate, or unauthorized information.

3. Provides full documentation to support any items they claim to verify.

4. Removes unauthorized inquiries that were made without permissible purpose.

If Experian continues to report unverifiable items or fails to follow the law, I will be compelled to pursue further legal remedies.

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