Consumer complaint received 2025-10-29 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 reviewed my credit report and found something extremely concerning. There are two accounts reporting ( XXXX Account Number : XXXX and XXXX  Account Number : XXXX ) that I never authorized. I didnt open these accounts, I didnt give permission for them to appear on my credit file, and I definitely didnt consent to have them reported to Experian or any other bureau. 

I want to be perfectly clear : at no point did I give written authorization, verifiable electronic consent, or any form of permission for these accounts to exist under my name. Their presence is unauthorized and continues to damage my financial stability and credit reputation. 

To document this, I filed a valid Police Report ( Case No. XXXX ) which confirms that these accounts and inquiries were unauthorized. Despite providing this evidence, Experian continues to publish and distribute this inaccurate information. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law explicitly prohibits access or reporting of a consumers credit file without a valid permissible purpose. The appearance of these accounts and the related hard inquiries without any documented consent or authorization directly violates this provision. Experian and the furnishers have used and disclosed my non-public personal information without a lawful basis or my consent. 

FCRA XXXXection 605B ( 15 U.S.C. 1681c-2 ) Duty to Block Unauthorized or Fraudulent Information : When a consumer submits an identity theft or police report identifying unauthorized information, the credit bureau must block that information within four ( 4 ) business days. I submitted my Police Report ( Case No. XXXX ), yet Experian failed to comply with this legal requirement, continuing to report these accounts beyond the statutory time limit. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Experian is required to maintain only accurate, complete, and verifiable data. Reporting accounts that I never authorized fails this legal standard and materially distorts the accuracy of my credit history. No legitimate documentation or contract exists that connects me to these accounts.

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation Requirement : When a dispute is filed, the credit bureau must conduct a reasonable reinvestigation and delete any information that can not be verified through valid evidence. If Experian can not produce written proof that I authorized these accounts, it is legally required to delete them immediately. 

FCRA XXXXection 611 ( a ) ( 5 ) ( B ) Reinsertion Requirements : If Experian deletes these accounts but later attempts to reinsert them, the law requires : Written certification from the furnisher verifying the accuracy and legitimacy of the data.

Written notice to me within five ( 5 ) business days.

Actual documentary proof that I authorized the account.

A simple system update, verbal confirmation, or database match does not satisfy federal law. Any reinsertion without these steps constitutes a willful violation under 15 U.S.C. 1681n.

Metro 2 Compliance Violations : The data reported also violates XXXX Metro 2 standards, which require completeness, accuracy, consistency, and current status. These accounts fail all four : They are inaccurate ( I never authorized them ). 

The related inquiries lack a valid permissible purpose. 

There is no documentary support for their inclusion. 

Under both the FCRA and XXXX XXXX reporting guidelines, Experian is obligated to permanently remove this information. 

PERSONAL IMPACT : This issue has caused substantial harm to my daily life and financial goals. My credit score has dropped significantly due to these unauthorized accounts.

When I applied for a mortgage, I was denied and the loan officer specifically cited these Experian-reported accounts as the reason. When I finally managed to obtain vehicle financing, I was charged an excessively high interest rate that I should not have been subject to. I am literally overpaying every single month for a problem I didnt create. 

I was also denied a credit card I legitimately applied for, and every new application triggers additional hard inquiries worsening the damage. Ive spent countless hours on phone calls, collecting documents, and researching how to fix this issue that shouldnt exist in the first place. 

This experience has created constant stress, XXXX and financial strain. My efforts to stabilize and improve my financial future have been delayed because of Experians continued reporting of inaccurate, unauthorized information.

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