Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am filing this complaint against Experian because the credit reporting agency has failed to properly investigate and correct inaccurate and unverifiable accounts despite my repeated disputes. I have made multiple attempts to resolve these issues directly with Experian, yet harmful, misleading, and legally deficient information remains on my file. The Fair Credit Reporting Act requires Experian to ensure maximum possible accuracy, provide full disclosure under 609, and conduct lawful reinvestigations under 611, but these obligations have not been fulfilled. The continued reporting of unverifiable accounts is causing severe harm to my creditworthiness, preventing me from obtaining fair credit opportunities, and creating financial and emotional distress. 

On my Experian credit report, the following accounts remain even though no verifiable evidence has ever been produced. XXXX XXXXXXXX with high credit of {$1100.00}, date opened XX/XX/XXXX, is still reported with late payments that have not been validated. XXXX XXXX with high credit of {$8600.00}, date opened XX/XX/XXXX, continues to show negative history without lawful verification. XXXX XXXX with balance of {$6300.00}, date opened XX/XX/XXXX, is reported with late payments although Experian has not provided proof of accuracy. XXXX/DOFED XXXX with balance of {$3700.00}, date opened XX/XX/XXXX, remains unverifiable. XXXX/DOFED XXXX with balance of {$4800.00}, date opened XX/XX/XXXX, is still reported in violation of FCRA XXXX ( b ). XXXX/DOFED XXXX with balance of {$6500.00}, date opened XX/XX/XXXX, continues to harm my file with unverifiable late payments. XXXX/DOFED XXXX with balance of {$3600.00}, date opened XX/XX/XXXX, is reported without lawful validation. XXXXDOFED XXXX with balance of {$2100.00}, date opened XX/XX/XXXX, is also unverifiable. XXXX/DOFED XXXX with balance of {$2200.00}, date opened XX/XX/XXXX, has not been verified. XXXXDOFED XXXX with balance of {$2900.00}, date opened XX/XX/XXXX, continues to report false late payment history. XXXXDOFED XXXX with balance of {$3700.00}, date opened XX/XX/XXXX, is listed as late but has never been validated. 

In addition to these, XXXX XXXX with balance of {$1400.00}, date opened XX/XX/XXXXXXXX XXXX XXXXXXXX with balance of {$1200.00}, date opened XX/XX/XXXX, XXXX XXXXXXXX with balance of {$880.00}, date opened XX/XX/XXXX, XXXX  XXXX with balance of {$1500.00}, date opened XX/XX/XXXX, and XXXX XXXXXXXX with high credit of {$0.00}, date opened XX/XX/XXXX, are all still reported as late payments without any verification. 

There are also collection accounts being reported without proof of ownership or assignment. XXXX  with original creditor XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, with balance of {$7100.00}, is on file as a collection but no validation has ever been provided. XXXX XXXX with original creditor XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, with balance of {$11000.00}, is being reported without any evidence that this debt is valid or legally collectible. Both of these collection accounts violate FCRA 611 and the requirement to establish permissible purpose under 604.

Experian is also reporting multiple unauthorized inquiries on my file which have not been validated. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX all appear on my credit report without my authorization. These inquiries are violations of FCRA 604 since no permissible purpose has been demonstrated. 

Experian has failed to provide the required method of verification, has not identified the sources of this information, and continues to report damaging items without proper investigation. This is a direct violation of FCRA 609, 611, and 607 ( b ). The ongoing reporting of these unverifiable accounts constitutes willful noncompliance under FCRA 616 and 617. I am requesting the Consumer Financial Protection Bureau to intervene, require Experian to remove these unlawful accounts and inquiries, and hold the company accountable for failing to comply with federal law.

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