Consumer complaint received 2025-10-08 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 multiple unauthorized accounts XXXX XXXX ( Account XXXX. XXXX ), XXXX XXXX ( Account XXXX. XXXX ), and XXXX XXXX ( Account XXXX. XXXX ) that I never authorized to be reported, nor did I give my consent for them 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 these accounts or related hard inquiries to be included in my credit file. Their presence has negatively affected my creditworthiness and financial opportunities. 

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 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 non-public personal information. 

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

When a consumer submits an official report identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such documentation through an official Police Report ( XXXX XXXX. XXXX ), which clearly identifies the disputed accounts and establishes a valid identity theft claim. Despite this, Experian continues to report the accounts and related inquiries, causing ongoing harm and violating the FCRAs blocking and deletion requirements. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. 
Experian has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnishers or from Experian itself demonstrates that this legal standard has not been met. Reporting accounts that can not be authenticated violates the FCRAs core duty of maximum accuracy.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty of reinvestigation. 
Upon receipt of my dispute, Experian was required to conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. To date, Experian has not provided documentary evidence or signed authorization proving these accounts are legitimate. 

FCRA Section 1681a ( 4 ) Protection of non-public personal information. 
Maintaining unauthorized accounts in my file exposes my private financial data and damages my personal and professional reputation, constituting an improper intrusion into my non-public personal information. 

Metro 2 / CDIA Non-Compliance.

Under CDIAs Metro 2 standards, all furnished data must be complete, accurate, consistent, and current. These accounts fail those requirements : The accounts are unauthorized and inaccurate. 

The hard inquiries lack a valid permissible purpose. 

No verifiable documentation exists to substantiate authorization. 

As a result, the data is inherently inaccurate under both the FCRA and Metro 2, reinforcing my right to immediate deletion.

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

If Experian attempts to reinsert any previously deleted account, it must : Obtain written certification from the furnisher verifying the accuracy and legitimacy of the item.

Provide written notice to me within five ( 5 ) business days, including supporting documentation.

Present objective documentary evidence proving authorization.

Generic verifications or phone confirmations are not sufficient. Any reinsertion without compliance will be considered a willful violation under 15 U.S.C. 1681n, subject to statutory and compensatory damages. 

Personal Impact : I have been denied for legitimate credit applications due to these unauthorized accounts. 

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 has caused ongoing financial stress, embarrassment, and loss of time as I attempt 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