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: TX

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian for multiple ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act ( CFPA ), in regard to the inaccurate reporting of personal information, delinquent accounts, and hard inquiries that are either incorrect, unverifiable, or reported without permissible purpose.

Despite repeated disputes and requests for reinvestigation, Experian has failed to correct or remove the following inaccurate and legally noncompliant information from my credit report : 1. Inaccurate Personal Address Information Addresses that are not associated with me and must be removed : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Wrong Address Violation of FCRA 1681e ( b ) : Experian has a duty to maintain maximum possible accuracy in consumer reports. Reporting addresses where I have never resided is inaccurate, misleading, and constitutes negligent or willful noncompliance.

Violation of FCRA 1681i ( a ) : Experian failed to conduct a reasonable reinvestigation of my prior disputes regarding these addresses.

2. Inaccurately Reported Accounts XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Status : Charge Off Violation of FCRA 1681s-2 ( b ) : Furnisher has a duty to conduct a reasonable investigation upon notice of a dispute. This charge-off is not accurate as the balance, dates, and furnishing status are in error.

Violation of FCRA 1681e ( b ) : Experian failed to ensure the accuracy of this account. 
XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$21000.00} Status : Charge Off Violation of FCRA 1681e ( b ) : The balance and status of this account have been misreported.

Violation of FCRA 1681i ( a ) : Experian failed to properly reinvestigate after dispute. 
XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5600.00} Status : Charge Off Violation of FCRA 1681e ( b ) and 1681i : The charge-off is being reported inaccurately. No sufficient documentation was provided in previous dispute responses.

Violation of 12 U.S.C. 5531 ( Unfair, Deceptive, or Abusive Acts or Practices - UDAAP ) under CFPA.

3. Unauthorized or Questionable Hard Inquiries XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX No permissible purpose provided. 
XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX No authorization or application from my end. 
Violation of FCRA 1681b ( c ) : A hard inquiry must be made only with written permission or for permissible purpose.

Violation of FCRA 1681b ( a ) ( 3 ) : No evidence of a legitimate credit transaction initiated by me. These inquiries are harmful and misleading.

Violation of 15 U.S.C. 1681n and 1681o : Experians continued reporting of these inquiries despite no authorization constitutes willful or negligent noncompliance.

Summary of Experian 's FCRA & CFPA Violations : Failure to delete clearly incorrect addresses Failure to correct or delete unverifiable charge-off accounts Failure to reasonably investigate disputes under 1681i Continued reporting of hard inquiries without permissible purpose Violations of UDAAP protections under the CFPA ( 12 U.S.C. 55315536 ) Relief Requested : I respectfully request the CFPB to compel Experian to : 1. Permanently delete the inaccurate addresses listed above.

2. Immediately remove or correct the inaccurately reported charge-off accounts.

3. Delete the unauthorized hard inquiries listed.

4. Provide documentation of investigation efforts and source verification.

5. Provide compensation for damages incurred from inaccurate credit reporting under 1681n and 1681o.

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