Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Complaint Against Experian for FCRA Violations & Failure to Remove Inaccurate Information To Whom It May Concern, This complaint is being filed due to Experians ongoing and willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V ( 12 CFR Part 1022 ). Despite multiple disputes submitted over the past several months through the proper channels, Experian has failed to take corrective action or fulfill its obligations under federal law. 

UNVERIFIED DEROGATORY ACCOUNTS The following creditors are reporting derogatory accounts that remain unresolved and unverified, despite my good-faith disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for XXXX XXXX  ) XXXX XXXX XXXX ( for XXXX XXXX XXXX  ) These accounts are reported as charge-offs, collections, and severe delinquencies. Experian has failed to validate these with original furnishers, did not provide investigation results in compliance with law, and continues to publish this inaccurate data.

Violations include : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to properly reinvestigate within 30 days FCRA 1681s-2 ( b ) Failure of furnishers to verify accuracy FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 605 ( a ) Reporting obsolete/inaccurate items FDCPA 809 ( b ) Failure to validate debt after dispute 12 CFR 1022.43 Failure to block disputed unverifiable information UNAUTHORIZED HARD INQUIRIES The following hard inquiries appear on my Experian credit report without my consent, without a permissible purpose, and without a valid credit application : XXXX XXXX XXXX XXXX XXXX. / XXXX XXXX ( two separate inquiries ) XXXX  XXXX ( duplicate ) These inquiries violate the following statutes : FCRA 604 ( a ) ( 3 ) No permissible purpose FCRA 1681b ( c ) Inquiry not initiated by the consumer FCRA 607 ( a ) Failure to verify inquirys legitimacy FCRA 1681e ( a ) Inadequate procedures to avoid unauthorized access SUMMARY OF NON-COMPLIANCE BY EXPERIAN Experian has : Failed to reinvestigate disputes within required timeframes Continued to report unverifiable and inaccurate derogatory information Retained unauthorized hard inquiries Neglected procedural safeguards as mandated by federal law RESOLUTION REQUESTED I respectfully request the CFPB to intervene and require Experian to : Permanently delete all unverified and inaccurate derogatory accounts listed above Remove all unauthorized hard inquiries lacking a permissible purpose Provide written confirmation of all deletions within 15 business days Submit full details of reinvestigation efforts and furnishers contacted NOTICE OF INTENT Should Experian continue to ignore these violations, I reserve the right to pursue civil action under FCRA 1681n and 1681o for statutory, punitive, and actual damages, as well as legal fees, for willful and negligent noncompliance.

Please Note : I am personally, submitting this CFPB report on behalf of myself only. I am NOT a 3rd party nor a 3rd party law firm. I am a consumer and law buying XXXX XXXX. 

Sincerely, Submitted via CFPB Secure Portal

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