Consumer complaint received 2025-09-13 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: NV

Complaint narrative:
I am filing this complaint against Experian for failing to correct or delete inaccurate, unverifiable, and misleading information in my credit file. I have disputed these items multiple times, but Experian continues to report them in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts with Late Payment Errors : Experian is reporting multiple XXXX  accounts with repeated late payments that are not supported by proper documentation : XXXX # XXXX Date Opened XX/XX/XXXX Balance {$7500.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$6400.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX # XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX # XXXX Date Opened XX/XX/XXXX Balance {$4800.00} These derogatory notations are not verified with a complete payment history or valid proof. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. Experian has failed to ensure maximum accuracy as required by FCRA 607 ( b ). 

Collection Accounts : Experian is also reporting collection accounts that are not properly validated : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX at XXXX XXXX A ) # XXXX XXXX XXXX, Date Opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX ( Original Creditor : Progressive ) # XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX Balance {$470.00} No signed agreements or itemized statements have been provided to validate these debts. Under FCRA 611 ( a ) and 609, Experian is required to verify disputed information. The Fair Debt Collection Practices Act ( FDCPA ) 807 also prohibits false or misleading representations. These accounts should be deleted.

Unauthorized Inquiry : Experian is reporting an inquiry that I did not authorize, in violation of FCRA 604 : XXXX XXXX Dated XX/XX/XXXX This inquiry was not initiated by me and no permissible purpose has been demonstrated. It should be removed immediately. 

Wrong Addresses : Experian is also linking me to addresses that are not mine : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are false and misleading. Under FCRA 607 ( b ), Experian must maintain maximum possible accuracy and must delete them. 

Harm and Requested Resolution : These errors are damaging my creditworthiness, lowering my scores, and affecting my ability to access fair credit. I have disputed these issues multiple times, and Experian has failed to properly reinvestigate within 30 days as required by FCRA 611. 

I am requesting that the CFPB require Experian to : Delete the inaccurate XXXX late payment notations. 

Delete the unverifiable collection accounts. 

Remove the unauthorized inquiry. 

Delete the wrong addresses. 

Provide me with an updated, corrected credit report. 

Experians continued reporting of inaccurate and unverifiable information violates my rights under the FCRA, and I am seeking regulatory intervention to ensure compliance.

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