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: MD

Complaint narrative:
I am filing this complaint to report that Experian is knowingly reporting multiple inaccurate, unverifiable, and unauthorized items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my formal disputes, Experian continues to retain derogatory information without verifying its accuracy or legitimacy. 

These accounts and inquiries are either incorrect, never properly validated, not updated per hardship communications, or unauthorized. This misinformation is damaging my credit profile and limiting my financial opportunities. 

XXXX. XXXX # XXXXXXXX XXXX XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Credit : {$1000.00} I experienced financial hardship during the time of the alleged delinquencies and submitted written documentation to the creditor. Despite this, the late payments were still reported. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ) as the report fails to include essential context. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | High Credit : {$790.00} This charge-off was posted without any written notice, validation of debt, or right to dispute. I was unaware of this debt until I checked my report. This reporting violates FDCPA 809 ( a ) and FCRA 1681b. No permissible purpose has been demonstrated for this derogatory entry. 

XXXX. XXXX # XXXXXXXX XXXX XXXX  Late Payments * * Date Opened : XX/XX/XXXX | High Credit : {$1000.00} This creditor failed to report my documented COVID-19 hardship and did not apply any accommodation or update my dispute status. Experians failure to reflect this context is a violation of FCRA 1681s-2 ( a ) and Metro 2 dispute code XXXX obligations. 

XXXX. XXXX XXXX XXXX XXXX XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Credit : {$520.00} I did not receive any billing notices or late alerts prior to the negative reporting of this account. The accuracy and validity of this information is questionable. Experian has not demonstrated proof of accuracy or provided any supporting documentation. This violates FCRA 1681i ( a ). 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | High Credit : {$6500.00} I was never given a chance to dispute or settle this account prior to it being listed as charged off. Experian is reporting this information without validating the debt or confirming legal compliance by the furnisher, in breach of FCRA 1681e ( b ) and 1681i ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXX Hard Inquiry on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Hard Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiry on XX/XX/XXXX These inquiries were made without my authorization, knowledge, or consent. I did not apply for credit with these entities. Experian has failed to show any documentation proving a permissible purpose under FCRA 1681b ( c ). The display of these unauthorized hard inquiries is a direct violation of federal law. 

Requested Resolution : I request that the CFPB intervene and compel Experian to fully reinvestigate and delete all accounts and inquiries listed above that can not be fully verified with documentation. 

I demand that Experian provide written confirmation of the reinvestigation results, including the name of the furnisher, method of verification, and supporting documentation under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I request immediate deletion of all unverified or inaccurate information from my credit report. 

I expect compliance with Metro 2 guidelines in dispute reporting and proper XXXX  coding on all contested tradelines. 

These inaccurate items are seriously harming my creditworthiness, causing me to be denied credit opportunities, and violating my rights under federal law. I respectfully request that this matter be resolved immediately.

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