Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered that Experian is reporting information that should not be there. 
After carefully reviewing my file, I found an account and related inquiries that I never authorized. 

Specifically, the following account appears on my Experian credit file without my consent : XXXX, Account XXXX : XXXX I never opened this account. I never signed or consented to any agreement authorizing it. I also never gave permission for my credit information to be accessed in connection with it. 
Despite this, Experian continues to report the account even though I submitted a valid Police Report ( XXXX XXXX. XXXX ) documenting this situation. 

According to Section 605B of the Fair Credit Reporting Act ( FCRA ), Experian must block and delete disputed information within four ( XXXX ) business days after receiving an official identity theft report, unless they can verify that it was properly authorized. This has not been done. 

This unauthorized account has caused significant harm to my credit profile, my financial stability, and my ability to access fair lending opportunities. 

LEGAL VIOLATIONS : After researching my rights under the Fair Credit Reporting Act ( FCRA ), Ive identified multiple federal violations by Experian and/or the furnishers involved : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose No one can access or report my credit information without a valid, legally defined permissible purpose. 
There is no written authorization, no application, and no consent from me. 
The inclusion of this account ( and any related inquiries ) without such documentation constitutes unauthorized access and use of my personal credit data, which is a direct violation of this section. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Duty to Block Fraudulent Information Under this section, once a consumer provides a valid police report documenting identity theft or unauthorized use of personal information, the credit bureau must block and remove the disputed data within four ( XXXX ) business days. 
I submitted Police Report XXXX, yet the account remains on my file. 
This failure to act promptly violates both the letter and intent of the law. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Experian is required to follow reasonable procedures to assure maximum possible accuracy. 
Reporting an account that was never authorized and lacks verification is the opposite of accuracy its a clear breach of the bureaus statutory duty under this section. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Upon receiving my dispute, Experian must reasonably investigate and delete any item that can not be verified with documentary evidence. 
If Experian can not provide written proof that I authorized this account, the law requires immediate deletion. 

FCRA Section 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion After Deletion If Experian deletes this account and later attempts to reinsert it, they must comply with all reinsertion procedures : Obtain written certification from the furnisher confirming that the information is accurate and legitimate. 

Notify me in writing within five ( XXXX ) business days of the reinsertion. 

Ensure documentary evidence exists showing my authorization. 

Failure to comply with these steps would constitute willful noncompliance under 15 U.S.C. 1681n, exposing Experian to legal liability. 

XXXX XXXX COMPLIANCE VIOLATIONS : Under XXXX XXXX XXXX reporting standards, all information furnished to credit bureaus must be : Accurate Complete Consistent Current The account in question fails every one of these standards because : Its inaccurate I never authorized it. 

There is no permissible purpose for its inclusion. 

There is no documentary proof supporting its validity. 

Therefore, under both FCRA and XXXX XXXX, this information must be permanently deleted. 

PERSONAL IMPACT : This isnt just a clerical or technical issue it has caused real financial and emotional harm : My credit score dropped significantly, damaging my eligibility for fair credit products. 

When I applied for a mortgage, I was denied, and the loan XXXX specifically cited this account as a negative factor. 

I managed to secure a vehicle loan, but only at extremely high interest rates, which are costing me hundreds of dollars more every month. 

I was also denied a credit card I needed. Each denial results in another credit pull, making my score worse each time. 

Ive spent hours trying to resolve this, gathering documentation, making calls, and writing letters all to correct information that should never have been reported in the first place. 

My plans to improve my financial situation are on hold because of these errors, which continue to impact my daily life and peace of mind. 

This ongoing situation is not only frustrating but has caused measurable harm to my finances, my creditworthiness, and my emotional well-being.

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