Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am filing this complaint because my Experian credit report is being reported with multiple inaccurate, unverifiable, and misleading accounts and inquiries that have caused me significant harm and hardship. Despite my good faith efforts, Experian and the furnishers have continued to report derogatory and false information in violation of my rights under the Fair Credit Reporting Act.

The accounts that are in dispute include XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX, which is showing late payments even though the reporting is inaccurate and unverifiable. Another account, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, is being reported as a charge off with a high credit of {$610.00}, but the information furnished is incomplete and false. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge off with a high credit of {$10000.00}, yet the reporting is misleading and not backed by verifiable evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a high credit of {$10000.00}, is being reported as a charge off in a manner that is inaccurate and harmful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a high credit of {$3200.00}, is also being reported as a charge off even though the reporting fails to comply with accuracy standards. Another account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1500.00}, is furnished as a charge off with information that is not only inaccurate but also unverifiable.

In addition to these derogatory accounts, my Experian file is also showing several inquiries that are unauthorized or recorded without a permissible purpose. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. None of these inquiries were authorized by me, and their appearance on my report is unlawful, harmful, and in direct violation of the requirements of permissible purpose under the FCRA.

My file also lists an incorrect and misleading address, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not my correct address, and its continued presence on my file shows a failure of Experian to maintain the accuracy and integrity of my personal information.

Because of these inaccurate accounts, unauthorized inquiries, and false address reporting, my credit scores have been damaged, I have been denied financial opportunities, and I have suffered both emotional and financial distress. The law requires that all information on my report be accurate and verifiable, and Experian has failed to meet that requirement. I am asking the Consumer Financial Protection Bureau to intervene, hold Experian accountable for these violations, and ensure that all inaccurate, incomplete, and unverifiable information is permanently corrected or deleted so that my credit file accurately reflects my true financial history.

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