Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the following unauthorized accounts that I never authorized, applied for, or consented to be furnished to any credit reporting agency : XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX Account XXXX. : XXXX XXXX  Account XXXX. : XXXX XXXX XXXX XXXX Account No. : XXXX At no time did I provide written authorization, verifiable electronic consent, or any form of permission allowing these accounts to be included in my credit file. Their inclusion represents an unauthorized disclosure of my non-public financial information and an ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose A consumers credit file may only contain information obtained for a lawful permissible purpose, which generally requires the consumers express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my personal credit information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information When a consumer provides an identity theft report identifying disputed items, the credit reporting agency must block such information within four ( 4 ) business days. I have provided a valid Police Report ( XXXX XXXX. : XXXX ), which qualifies as an identity theft report under federal law. Despite this, Experian continues to report the unauthorized accounts and related inquiries, causing ongoing harm to my credit and finances. 
( Note : No separate FTC report number is provided because the police report serves as the qualifying identity theft report. ) FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting accounts that were never authorized and can not be verified is inherently inaccurate and violates this section. Experian has failed to meet this standard by allowing unverifiable and unauthorized information to remain in my file. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation Duty Upon receiving a dispute, the CRA must conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. The continued reporting of these items despite lack of valid verification shows non-compliance with this reinvestigation duty. 

FCRA Section 1681a ( 4 ) Protection of Non-Public Personal Information Consumers are entitled to protection of their non-public personal data. Maintaining accounts or inquiries in my file without my knowledge or consent constitutes an unauthorized intrusion into my private financial information and reputation. 

Non-Compliance with Metro 2 Data Integrity Standards Under CDIA/Metro 2 guidelines, all furnished data must be complete, accurate, consistent, and current.

In this case : The identified accounts are unauthorized and inaccurate, failing Metro 2 data accuracy requirements. 

The hard inquiries lack a valid permissible purpose, violating required Metro 2 fields.

The absence of verifiable documentation from furnishers breaches Metro 2 Data Integrity obligations.

Therefore, these items are inherently inaccurate under both the FCRA and Metro 2, reinforcing my right to immediate deletion.

PERSONAL IMPACT : These unauthorized items are not clerical oversights they have : Lowered my credit score, resulting in unjust denials of legitimate applications. 

Increased my financing costs due to higher interest rates caused by inaccurate data. 

Generated improper inquiries that further harm my score and credibility. 

Caused delays, time loss, and emotional distress while I try to correct data that should never have appeared on my file. 

This is not a minor inconvenienceit is a sustained injury to my financial reputation and rights under federal law.

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