Consumer complaint received 2025-09-27 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:
I am submitting this complaint because Experian is reporting multiple inaccurate, unverifiable, and harmful items on my credit file which directly violate my rights under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX et seq. ). My credit history is being misrepresented through false addresses, fabricated late payments, unverifiable charge-offs, fraudulent collections, an untrue bankruptcy record, and unauthorized inquiries. These errors are causing me severe harm in the form of damaged credit, higher interest rates, and reputational injury, and they exist because Experian has failed to comply with its legal obligations under federal law. 

Experian continues to show false addresses on my file, including XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. These addresses do not belong to me, they were never part of my residence history, and their presence indicates negligent procedures. Under FCRA 607 ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy, but these addresses prove a failure of that duty.

The report also shows accounts with late payments that I have never made. For example, XXXX XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$650.00}, XXXX  XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$9.00}, and XXXX  XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$300.00} are all listed with derogatory late payment history. I dispute these entries completely, as they are inaccurate and unverified. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from providing information they know or should know is inaccurate, yet these creditors continue to report false data and Experian has failed to reinvestigate properly under FCRA 611 ( a ). 

There are also charge-off accounts that I do not recognize and that remain unverified. XXXX XXXX XXXX  account number XXXX opened on XX/XX/XXXX with a balance of {$1400.00}, XXXX XXXX  XXXX account number XXXX opened on XX/XX/XXXX with a balance of {$1500.00}, and XXXX XXXX XXXX XXXX  account number XXXX opened on XX/XX/XXXX with a reported balance of {$0.00} but still marked as charged off are all inaccurate. These reports are misleading, unlawful, and must be removed because under FCRA 609 ( a ) ( 1 ) I am entitled to know the sources of such information, and if no verifiable source exists, then they can not be lawfully reported. 

Experian is also reporting collection accounts from XXXX FUNDING that I have no knowledge of. XXXX FUNDING account number XXXX opened on XX/XX/XXXX with a high balance of {$700.00} and XXXX XXXX  account number XXXX opened on XX/XX/XXXX with a high balance of {$580.00} are being listed as collections against me without any proof that I owe them. This is a direct violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX.S.C. 1692g ), which requires that debts be validated when disputed. No validation has been provided, making these accounts unlawful to report. 

Even more damaging is the false bankruptcy entry showing as XXXX XXXX XXXX XXXX. I have never filed for bankruptcy in any court, and the presence of this entry is extremely harmful to my credit profile. Reporting a bankruptcy that does not exist is a reckless violation of FCRA 605 ( a ) ( 1 ), which prohibits the reporting of unverifiable public records. This type of error is among the most severe and creates long-lasting consequences if not immediately corrected. 

Lastly, Experian has allowed unauthorized inquiries on my credit report. These include XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. I never authorized these companies to access my credit file, and under FCRA 604 ( a ), consumer reports may only be accessed for permissible purposes. These inquiries are unlawful and damaging because they negatively affect my creditworthiness despite lacking any permissible purpose. 

The combination of false addresses, inaccurate late payments, unverifiable charge-offs, fraudulent collections, an untrue bankruptcy, and unauthorized inquiries demonstrates Experians failure to meet its legal responsibilities under FCRA 607 ( b ), 611 ( a ), and 609 ( a ). These errors are unlawful, harmful, and in direct violation of my rights. If these matters are not corrected immediately, I will be forced to escalate with continued complaints and, if necessary, pursue private legal action for willful and negligent noncompliance under FCRA 1681n and 1681o.

I respectfully request that the CFPB intervene to ensure Experian conducts a lawful reinvestigation, deletes all inaccurate and unverifiable information, and issues me a corrected credit report that reflects only accurate and verifiable data.

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