Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint against Experian for knowingly and willfully reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other consumer protection laws. Despite previous attempts to resolve these issues through direct disputes, Experian has failed to comply with its statutory obligations. The reporting errors have caused me significant financial and emotional harm, including repeated denials for credit, increased interest rates, and reputational damage. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Issue : This account is reporting a history of late payments that are not only inaccurate but also unverifiable. I have sent disputes regarding these delinquencies, but Experian continued to report them without verifying with the original creditor.

Law Violated : Under FCRA 1681i ( a ), a consumer reporting agency must conduct a reasonable reinvestigation upon dispute. FCRA 1681e ( b ) also requires agencies to follow procedures to assure maximum accuracy.

Story : I have never received any notification or validation of these alleged late payments. During a critical time, I applied for an apartment lease and was denied solely due to this tradeline. When I reached out to the creditor for validation, I was ignored. Experian allowed this unverified and potentially outdated information to remain, damaging my housing opportunities. 
XXXX Acct : XXXX High Balance : {$8000.00} Date Opened : XX/XX/XXXX Issue : This tradeline reports multiple late payments despite no proper validation or billing statements being produced to support the negative marks.

Law Violated : FCRA 611 ( a ) ( 1 ) ( A ) mandates deletion of unverifiable data. FCRA 609 ( a ) ( 1 ) gives me the right to know the source and method of verification, which I was denied.

Story : I was laid off during COVID-19 and made good faith efforts to negotiate payments. Despite hardship documentation submitted, the account reflected delinquencies that were not even aligned with my bank records. This led to my credit card limits being reduced and other lenders increasing my APR, creating a cascading financial hardship that Experian failed to correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$61000.00} Date Opened : XX/XX/XXXX Issue : This auto loan reports a late payment that is factually inaccurate. I have proof of timely payments through my bank statements. Experian has failed to remove or verify the account properly.

Law Violated : FCRA 1681s-2 ( b ) requires data furnishers and agencies to correct incomplete or inaccurate information. FCRA 602 ( a ) promotes fair treatment in reporting.

Story : I applied for a refinance on this auto loan but was rejected due to this incorrect derogatory mark. I sent certified mail to Experian with payment receipts and proof of timely transfers, yet they kept the error intact. This created financial strain and violated my right to a fair and accurate credit report.

SBA Inquiry Date : XX/XX/XXXX Issue : This is a hard inquiry that I did not authorize, nor do I have any SBA application history.

Law Violated : FCRA 604 ( a ) states that a credit report can only be accessed with a permissible purpose. This inquiry lacks consumer consent.

Story : I became aware of this inquiry while reviewing my report for a mortgage application. The inquiry dropped my score, and the mortgage lender declined me based on the increased risk level. I reached out to Experian to request proof of authorization. They failed to respond adequately, violating FCRA 609 ( a ) ( 3 ). 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not apply for any credit with Citi during this period. This inquiry is unauthorized.

Law Violated : FCRA 604 ( a ) ( 3 ) requires consumer authorization for any hard inquiry. Experian must retain proof of permissible purpose or remove it. 
Story : I was alerted by a credit monitoring service of a suspicious inquiry. I contacted both XXXX and Experian, but neither provided documentation showing that I initiated or authorized this inquiry. This inquiry reduced my FICO score during an active loan preapproval process and caused me direct financial loss.

Conclusion & Relief Requested Experians continuous reporting of inaccurate, outdated, and unverifiable information has violated multiple sections of the FCRA and caused me real and measurable harm. I respectfully request the CFPB to conduct a full investigation and order Experian to : Delete all inaccurate accounts and inquiries Remove all false address information Conduct a full reinvestigation with documentation Award appropriate damages as per FCRA 616 and 617 Enforce corrective action to prevent further consumer harm

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