Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for reporting multiple inaccurate, outdated, and unverified accounts, inquiries, and personal information on my credit report. I have disputed these items, but Experian has failed to provide proper investigation or verification, violating my rights under the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), 1681i, and 609 ( a ). 

Details of Disputed Accounts and Issues : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$25000.00} | Late Payment This account is reporting late payments without providing documentation of payment history or monthly statements. Experian has not verified the accuracy of this derogatory status. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account is closed and has a {$0.00} balance. Reporting late payments on an inactive account is misleading and creates an inaccurate reflection of my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off The account shows a charge-off with no remaining balance. Experian has not provided any documentation proving this is accurate or verified with the creditor. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$11000.00} | Charge-Off I have no contract or billing statements from this creditor. The amount is disputed and has never been validated per FCRA 609 ( a ) ( 1 ) and FDCPA 809. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$0.00} | Charge-Off A charge-off with a XXXX balance is inaccurate and creates a negative entry with no financial basis. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off Experian has continued to report this as a charge-off despite no balance owed and no documentation provided upon dispute. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX This account remains on my report without any balance due or verification. It is outdated and misleading. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$690.00} | Collection This debt has not been validated. No original creditor contract or statements were provided. Experian continues to report this without proof. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Collection This is another unverified collection being reported without documentation, violating my rights under FCRA and FDCPA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$470.00} | Collection This is a disputed account for which I have received no validation. There is no supporting agreement or billing history provided. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1800.00} | Collection I do not recognize this account and never received any communication from this creditor. Experian has failed to investigate or validate it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$200.00} | Charge-Off I have no recollection or proof of this account. It is being reported as a charge-off without supporting documentation. 

Incorrect Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at this address. This is incorrect personal information that must be deleted. Its presence may indicate file mixing or ID theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize this inquiry and never applied for credit with this company. This violates FCRA XXXX ( a ) ( XXXX ) regarding permissible purpose. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate Experians continued reporting of inaccurate and unverifiable information. I am seeking : Immediate deletion of all unverified, inaccurate, and obsolete accounts Removal of the incorrect address Deletion of the unauthorized inquiry Verification documentation for all disputed accounts under FCRA 609 ( a ) A proper reinvestigation by Experian within the required XXXX timeframe per FCRA 1681i These ongoing violations have harmed my credit profile and financial wellbeing. If Experian continues to report this information without resolution, I will consider pursuing further legal remedies under FCRA 616 and 617.

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