Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
Dear CFPB Officer I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. I have disputed several inaccurate and unverifiable accounts, inquiries, and addresses on my Experian credit report, but Experian has failed to conduct a lawful reinvestigation under FCRA 611. These errors have caused significant harm to my credit profile, resulted in denials for credit, and caused emotional and financial stress The following issues remain unresolved despite my formal disputes Wrong Addresses Reported XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is not my address and should not be linked to my report Reporting these addresses violates FCRA 607 ( b ) and 605 ( b ) as they misrepresent my personal information and create confusion about my identity Unverified and Inaccurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$500.00} Status : Charge Off I disputed this item and Experian did not provide any documentation or evidence to support its reporting, violating FCRA 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Status : Late Payment Closed account should not report derogatory information, misleading under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$150.00} Status : Late Payment I received no notice of delinquency, violating FCRA XXXX ( a ) ( XXXX ) OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$3900.00} Status : Charge Off No supporting documentation has been provided to prove the accuracy of this charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Status : Charge Off This account can not be a charge-off with a zero-dollar balance, which is inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$110.00} Status : Charge Off This item is unrecognized and unverifiable, and Experian has not provided proof of its legitimacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$3300.00} Status : Collection No notice or validation has been received, violating FDCPA XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Collection No validation received, not legally reportable XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$310.00} Status : Collection Unknown account, unverified, should not be reported Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized any of the above inquiries. These entities did not have a permissible purpose as required under FCRA 604 ( a ). Experian has allowed these inquiries to remain without proof of consent Relief Requested I am requesting that CFPB investigate Experians failure to comply with federal law and compel them to Delete the incorrect addresses Remove or correct all inaccurate and unverified accounts Delete the unauthorized inquiries Provide written confirmation and an updated credit report Be held accountable for continued violation of FCRA 604, 607, 611, 623 and FDCPA 809 I am attaching my formal dispute letter submitted to Experian along with documentation. Experians failure to follow proper reinvestigation procedures and their repeated violations of my rights require your immediate intervention.

Company response to consumer: Closed with explanation