Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Your Email ] [ Your Phone Number ] Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian Failure to Correct Inaccurate and Unverified Accounts Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian Information Services for their failure to correct multiple inaccuracies and unverified accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( i ). 

Despite my prior disputes to Experian, they have failed to conduct a proper investigation, verify the accuracy of the reported information, or remove unverifiable data. This has negatively impacted my creditworthiness and financial opportunities. 

Disputed Accounts with Errors : I have identified multiple inaccuracies on my Experian credit report, including outdated, inaccurate, or unverifiable negative information tied to the following accounts : XXXX. XXXX XXXX Incorrect charge-off amount reported ( {$3700.00} past due ). 
XXXX XXXX XXXX XXXX XXXXXXXX Account charged off with conflicting past-due balances ( {$360.00} past due ). 
XXXX. XXXX XXXX XXXX Unverified negative reporting. 
XXXX. XXXX XXXX negative reporting. 
XXXX XXXX XXXXXXXX ( Multiple Accounts ) Accounts marked as charged off, past due amounts do not match records. 
XXXX. XXXX XXXX XXXX XXXX reporting. 
XXXX XXXX XXXX  Inaccurate charge-off balance ( {$8800.00} past due ). 
XXXX XXXX Potentially negative information remains unresolved. 
XXXX. XXXX XXXX Inaccurate past due reports. 
XXXX XXXX XXXX Unverified negative account. 
XXXX. XXXX XXXX XXXX collection reporting. 
XXXXXXXX XXXX XXXX XXXX Account marked negative without validation. 
XXXX XXXX XXXX  Duplicate reporting and incorrect delinquency status. 
XXXX. XXXX XXXX XXXX account. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX status. 
XXXX XXXX XXXX Unverified negative account. 
XXXX. XXXX XXXX XXXX  Incorrect negative reporting. 
XXXX. XXXX XXXX negative account. 

Personal Information Errors : Additionally, my Experian report lists multiple incorrect names and addresses, which I have requested to be removed, but Experian has failed to comply. The only correct name and address should be : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX Experian continues to report outdated or incorrect information, including old addresses from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I no longer reside at. 

Violation of Federal Law FCRA Non-Compliance Under FCRA 15 U.S.C. 1681i, Experian is legally required to : Investigate disputes within 30 days. 
Provide written verification of the disputed items. 
Delete any information that can not be verified. 
Maintain maximum possible accuracy in consumer reports.

Experians Failure to Investigate & Correct Errors Despite multiple disputes, Experian has repeatedly failed to correct or verify the errors in my credit file. Instead, they continue reporting inaccurate and damaging information while failing to provide a clear method of verification for the disputed accounts.

Requested Action from CFPB I request that the CFPB investigate Experian for its negligence and failure to comply with FCRA regulations. I am formally asking for : 1. An immediate reinvestigation of all disputed accounts.

2. Removal of all unverifiable, inaccurate, or outdated negative accounts.

3. Correction of my personal information to remove incorrect names and addresses.

4. A written response detailing the method of verification for each disputed account.

5. Appropriate penalties imposed on Experian for FCRA violations.

Supporting Documents Attached I am attaching my credit report, previous dispute letters, and documentation to support my claims.

If Experian fails to comply, I am prepared to escalate this matter further, including seeking legal counsel for damages caused by their negligence.

Please confirm receipt of this complaint and provide updates on the next steps in your investigation. You may contact me at [ Your Email ] or [ Your Phone Number ] for further details. 

Sincerely, XXXX XXXX

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