Consumer complaint received 2025-05-16 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:
Dear Experian, ( Please do not respond this time around again with stall tactic response ) I am writing to * * formally dispute multiple inaccurate and misleading entries * * on my credit report. Despite numerous prior attempts and supporting documentation provided, * * Experian continues to send stall letters * * and * * fails to conduct a proper investigation * * as required under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * I have submitted : A * * police report * * An * * FTC identity theft affidavit * * * * Government-issued identification * * * * Proof of address ( utility bill ) * * These have been sent * * multiple times * *, yet no thorough investigation has been completed. 

-- - I. XXXX XXXX XXXX XXXX Inaccurate & Misleading Reporting * * * Charged off in XXXX * *, yet Experian is allowing : * * * Balance updates through XX/XX/XXXX * * * * * Re-reporting of the charge-off every month for over 36 months * * * * * No update to reflect the sale of the account to a third-party debt collector * * * These actions are factually inaccurate, deceptive, and violate * * FCRA 1681e ( b ) * *, which requires Experian to maintain the XXXX * maximum possible accuracy * * of information. 

* * Note : * * On * * XX/XX/XXXX * *, the * * CFPB ordered XXXX to pay over \ {$28.00} million * * for * * unlawful debt collection practices * *, further discrediting their reporting. 

-- - II. Perpay False Payment History and Incorrect Data * * * Incorrect open date * * : Listed as * * XXXX * *, but account actually opened in * * XX/XX/XXXX * *. 
* Payment reporting is inconsistent and misleading : * Reports * * 30 days late three times in a row * *, then * * 60, then 90 * * this is not how delinquencies progress.

* Alternates between " * * Current * * '' and " * * Charged Off * * '' repeatedly for * * 23 years straight * *. 
* Reports * * updated balance as of XX/XX/XXXX * *, despite a charge-off in XXXX and no valid activity since. 
* These actions also violate * * FCRA 1681e ( b ) * * and create a false and damaging profile.

-- - III. Unauthorized Inquiries Must Be Deleted I am also disputing * * unauthorized credit inquiries * * that I * * did not initiate * * and * * never consented to * *. These companies did not have a permissible purpose under * * FCRA 1681b * * : * * * XXXX XXXX * * * * * XXXXXXXX XXXX * * * * * XXXX XXXX  XXXX * * * * * XXXX XXXX * * These hard inquiries are * * inaccurate * *, were * * not authorized * *, and must be * * immediately removed * *. 

-- - IV. Experians Failure to Investigate Experian has repeatedly sent * * stall letters * * and failed to investigate my disputes, despite having been provided with all required documentation. This lack of proper reinvestigation is a direct violation of : * * * FCRA 1681i ( a ) * * failure to reinvestigate disputed information within 30 days * * * FCRA 1681e ( b ) * * failure to ensure accuracy * * * FCRA 1681b * *

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