Consumer complaint received 2025-07-14 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:
To Whom It XXXX Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for reporting multiple inaccurate, obsolete, and unverified items on my credit file. Despite previous dispute efforts, these accounts remain unresolved, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing ongoing damage to my financial reputation. 

Below is a detailed list of the disputed items, along with legal references and explanations : Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX Issue : I have never resided at or been affiliated with either of these addresses. 
FCRA Violation : 609 ( c ) ( 2 ) ( E ), 602 ( A ) Relief Requested : Immediate removal of these addresses from my credit file. 

Accounts with Inaccurate Information XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late payment listed after account was paid in full. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$880.00} | Late Payment * * Issue : Late reported during hardship. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ), Metro 2 Guidelines XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$750.00} | Charge Off * * Issue : Charged off without resolution or validation. 
FCRA Violation : 611 ( a ) ( 1 ), 623 ( b ) XXXX XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late mark on a paid account. 
FCRA Violation : 602 ( A ) XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Negative history is obsolete. 
FCRA Violation : 605 ( a ) ( 5 ) XXXX Acct # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Charge-off unverified after dispute. 
FCRA Violation : 611 ( a ), 623 ( b ) XXXX  XXXX ( XXXX : XXXX XXXX. ) Acct # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$680.00} | Collection * * Issue : No debt validation provided. 
FCRA & FDCPA Violations : 623 ( b ), FDCPA 809 ( b ) XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Marked late despite resolution. 
FCRA Violation : 623 ( a ) ( 2 ) XXXX  Acct # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1600.00} | Charge Off * * Issue : Inaccurate balance and premature charge-off. 
FCRA Violation : 623 ( a ) ( 1 ) XXXX Acct XXXX : XXXX * * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Duplicate/obsolete Kohls account. 
FCRA Violation : 611 ( b ), 605 ( a ) XXXX XXXX  Acct # : XXXX * * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : No formal notice or debt validation received. 
FCRA Violation : 611 ( a ) ( 1 ), 623 ( b ) Unauthorized Hard Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Issue : These inquiries were conducted without my knowledge or written authorization.

FCRA Violation : 604 ( a ) ( 2 ), 604 ( c ) Relief Requested : Removal of these unauthorized inquiries from my credit file. 

Relief Requested from the CFPB : Investigate Experians failure to correct or remove the above inaccurate items.

Require Experian to provide documented validation for each item OR remove it if they can not validate. 

Remove the unauthorized addresses and hard inquiries. 

Ensure Experian complies with all FCRA deadlines and responsibilities. 

Provide a full and accurate copy of my updated credit report after resolution. 

These continued errors have resulted in credit denials, emotional distress, and unjust damage to my financial profile. I am requesting immediate enforcement of my rights under FCRA 611, 623, and 605. 

Thank you for your assistance in holding Experian accountable.

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