Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate, outdated, and unverifiable information on my credit report. Experian has failed in its duty to ensure the maximum possible accuracy of consumer credit reports under 15 U.S. Code 1681e ( b ), despite multiple disputes and direct notices. The inclusion of inaccurate personal information, accounts with false derogatory status, and unauthorized inquiries has caused significant damage to my financial well-being and creditworthiness. Below I am providing specific details of the erroneous reporting along with the related legal violations. 
XXXX XXXX XXXX, GA XXXX Wrong Address This address is not affiliated with me in any capacity and was never my place of residence. It is falsely being reported under my credit profile. 
Violation : FCRA 1681e ( b ) Failure to maintain accuracy in personal identifiers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address This address does not belong to me and has been inaccurately attached to my Experian report. 
Violation : FCRA 1681e ( b ), 1681i ( a ) Failure to reinvestigate and correct disputed personal data.

XXXX  | Acct : XXXX XXXX XXXX XXXX | High Balance : {$690.00} | Date Opened : XX/XX/XXXXXXXX  Late Payment This account is inaccurately reporting late payments that are not valid. I have not received proper notification, and the reported derogatory status has not been validated. 
Violation : FCRA 1681s-2 ( a ) Furnishing inaccurate information, 1681i ( a ) Failure to reinvestigate disputed data.

XXXX XXXX XXXXXXXX | Acct : XXXXXXXX XXXX XXXX XXXX XXXX  | High Balance : {$0.00} | Date Opened : XX/XX/XXXX Charge Off This charge-off is being reported even though the balance is {$0.00}. No validation or accounting of charge-off has been provided upon request. 
Violation : FCRA 1681e ( b ), 1681s-2 ( b ) Reporting inaccurate charge-off and failure to verify upon dispute.

XXXX XXXXXXXX | Acct : XXXXXXXX XXXX XXXX XXXX | High Balance : {$760.00} | Date Opened : XX/XX/XXXXXXXX  Charge Off The derogatory status and balance reporting are inaccurate. There has been no response to my verification requests. 
Violation : FCRA 1681s-2 ( b ), 1681i ( a ) Incomplete or unverifiable derogatory account reporting.

XXXX XXXXXXXX | Acct : XXXXXXXX XXXX XXXX | High Balance : {$700.00} | Date Opened : XX/XX/XXXX Charge Off This account is incorrectly listed as charged-off, and Experian has not validated the accuracy despite multiple disputes. 
Violation : FCRA 1681e ( b ), 1681i ( a ) Reporting unverified, derogatory item without reinvestigation.

XXXX  XXXX | Acct : XXXXXXXX XXXX XXXX  | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX Charge Off This is a duplicate reporting of the same account above with different balances and dates. This is misleading, inaccurate, and unfairly impacts my credit rating. 
Violation : FCRA 1681e ( b ), 1681i ( a ) Duplicate, misleading entry in violation of data accuracy obligations.

XXXX XXXX | Acct : XXXXXXXX XXXX XXXX | High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Late Payment The reported late payment on this new account is inaccurate. I have supporting evidence showing payments were made on time. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ) Failure to ensure accurate payment history reporting.

XXXX XXXX | Acct : XXXXXXXX XXXX XXXX XXXX | High Balance : {$190.00} | Date Opened : XX/XX/XXXXXXXX  Collection This collection account was never validated. I requested verification under the FDCPA and FCRA, and no documentation has been furnished. 
Violation : FCRA 1681g ( c ) ( 2 ), 1681i ( a ) ; FDCPA 809 ( b ) Failure to validate debt and unauthorized reporting.

XXXX XXXX | Date : XX/XX/XXXXXXXX  Inquiry This inquiry was not authorized by me and has negatively impacted my credit score. 
Violation : FCRA 1681b ( c ) ( 1 ) ( A ) No permissible purpose for inquiry.

XXXX  | Date : XX/XX/XXXXXXXX  Inquiry This inquiry was conducted without my knowledge or consent and was not tied to any credit application. 
Violation : FCRA 1681b ( f ) Impermissible access of consumer credit data.

Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act, which requires it to : Ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ) Reinvestigate any information that is disputed by the consumer ( 15 U.S.C. 1681i ( a ) ) Not include inaccurate, unverifiable, or obsolete information ( 15 U.S.C. 1681c ) Provide a consumer the name of any entity that made an inquiry and verify if the inquiry was done with a permissible purpose ( 15 U.S.C. 1681b ) I am requesting immediate and complete deletion or correction of the erroneous accounts and addresses mentioned above. Experian must fulfill its legal duties by providing documentation verifying the accuracy of these items or remove them from my credit file. These inaccurate reports have caused me financial hardship, including denials of credit, increased interest rates, and emotional distress.

Please investigate and take appropriate action to hold Experian accountable for these violations. I am prepared to escalate further legally if needed.

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