Consumer complaint received 2025-09-24 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 and inaccurate item : Account : XXXX XXXX Account Number : XXXX I never authorized this account to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

I submitted my dispute to Experian and provided my official FTC Report ( FTC Report No. XXXX ) to establish an official record of this identity theft and unauthorized reporting. Despite this, Experian continues to report the account, causing ongoing harm.

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

No entity may access, disclose, or report consumer credit information without a permissible purpose authorized by law. There is no written authorization, no verifiable electronic consent, and no signed agreement from me that would justify this account appearing in my file. Its inclusion is unlawful and must be deleted.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a valid FTC report identifying disputed items, the CRA must block and delete the information within four ( 4 ) business days. I submitted FTC Report No. XXXX, which clearly identifies the disputed account. Despite this, Experian continues to report the item, which constitutes direct non-compliance.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting accounts that I did not authorize is inherently inaccurate and violates this standard.

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation duty.

Upon dispute, the CRA must conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. Absent verifiable proof of consent for XXXX XXXX ( XXXX ), this account must be permanently removed. 

FCRA Section 1681a ( 4 ) Protection of non-public personal information.

Consumers have a right to protection of their non-public personal information. Maintaining unauthorized accounts in my file without my consent is an improper intrusion that exposes my private financial data and reputation to unwarranted harm.

Non-Compliance with Metro 2 Standards ( XXXX ). 
Under Metro 2 guidelines, furnished data must be complete, accurate, consistent, and current. In this case : The account is unauthorized and inaccurate, failing Metro 2 requirements.

The absence of verifiable documentation contravenes XXXX XXXX obligations. 

Reinsertion Requirements FCRA Section 611 ( a ) ( 5 ) ( B ).

If there is any attempt to reinsert previously deleted information, strict compliance is required : Written certification from the furnisher verifying the accuracy and legitimacy of the item.

Written notice to me within five ( 5 ) business days, including the documentation provided.

Objective documentary evidence substantiating authorization and legitimacy.

Phone calls, generic system verifications, or good-faith confirmations are not sufficient. Any
reinsertion without strict compliance will be treated as a willful violation, subject to statutory and compensatory damages and attorneys fees under 15 U.S.C. 1681n.

PERSONAL IMPACT : I have been denied for legitimate credit applications due to this unauthorized account.

When approved for credit, I am forced to pay significantly higher interest rates.

I was recently denied rental housing because of this negative information.

My insurance premiums are higher due to credit-based pricing.

This item has lowered my credit score, increased financing costs, and caused unnecessary distress as I work to correct information that should never have been reported.

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