Consumer complaint received 2025-10-23 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: WA

Complaint narrative:
I am submitting this complaint because Experian has reported multiple inaccurate, unverifiable, and unauthorized accounts, inquiries, and addresses on my credit report. These errors are seriously affecting my credit profile and causing financial and emotional distress. I have already contacted the credit bureaus, yet these false entries remain. The reporting practices in this matter violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 602A, 607 ( b ), and 611 ( a ), which require consumer reporting agencies to maintain maximum possible accuracy and to reinvestigate disputed information. 

My credit report shows several accounts from XXXX that have been reported with late payments, which is entirely false and misleading. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$20000.00}, XXXX # XXXX * * * * opened on XX/XX/XXXX with a balance of {$25000.00}, and XXXX # XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$64000.00}. These accounts are reporting late payments even though I have never made any late payments on them. The information being shown is false and does not accurately reflect my payment history. Experian has failed to verify or correct these inaccuracies even after being notified. 

Additionally, there are several accounts appearing on my Experian report that I have no knowledge of, have never opened, and have never authorized. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$6800.00} reported as a collection. I have never had any relationship, transaction, or agreement with any of these creditors or collection agencies. These accounts are fraudulent or were added in error, and Experians continued reporting of them despite my dispute is a violation of FCRA 607 ( b ), which requires reasonable procedures to assure maximum accuracy of consumer information. 

My credit report also contains an unauthorized inquiry from XXXX XXXX XXXX XX/XX/XXXX. I never authorized this inquiry or provided any consent for my credit report to be accessed. Under FCRA 604 ( a ), a credit report may only be accessed for permissible purposes with the consumers authorization. This unauthorized access represents a serious breach of my consumer rights, yet Experian continues to list it. 

In addition to these accounts and inquiries, Experian has included several incorrect addresses on my file that have no connection to me. These addresses are XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ; and XXXX XXXX XXXX XXXX, Vernal, UT XXXX. I have never lived at or been associated with any of these locations. This demonstrates a clear failure by Experian to maintain accurate identifying information in my credit file as required by FCRA 611 ( a ) ( 1 ) ( A ).

The ongoing reporting of these inaccurate and unauthorized items has caused harm to my credit rep
utation, emotional distress, and potential financial loss. Experians failure to properly investigate and correct these errors constitutes both willful and negligent noncompliance under FCRA 616 and 617. I am requesting that the Consumer Financial Protection Bureau investigate Experians handling of these accounts, inquiries, and addresses, and take appropriate enforcement action to ensure compliance with federal law.

I am asking that all inaccurate, unverifiable, and unauthorized accounts, inquiries, and addresses be permanently deleted from my credit report. I also request that Experian provide written confirmation of these corrections once completed. I am filing this complaint to protect my rights as a consumer and to ensure Experian is held accountable for its violations under the Fair Credit Reporting Act.

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