Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint because Experian has continued to report inaccurate and unverifiable information on my credit file even after disputes were submitted. These errors include false addresses, contradictory account reporting, charge-offs that were never validated, collections without proof, and even unauthorized inquiries. This conduct violates the Fair Credit Reporting Act, which under 607 ( b ) requires Experian to assure maximum possible accuracy and under 611 requires the deletion of any information that can not be verified. 

My credit file currently lists the addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at either of these addresses. Including them on my report creates a misleading picture of my identity and places me at risk of being linked to accounts or activities I have no connection to. 

Experian is also reporting several accounts that are inaccurate and unverified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, shows late payments despite listing a XXXX balance, which is logically impossible. ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, is listed as a {$420.00} charge-off, but I have never received any validation of this debt. Another account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, is reported as a charge-off while also showing a XXXX balance, which is contradictory and inaccurate. 

There are also multiple XXXX XXXX accounts being reported as charge-offs, including XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with {$290.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with {$380.00} ), and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with {$140.00} ). None of these debts have ever been validated to me as required under the Fair Debt Collection Practices Act 809 ( b ). Without validation, Experian has no legal basis to continue reporting these accounts. 

My report also lists XXXX charge-offs from XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$880.00} and another opened XX/XX/XXXX with a balance of {$960.00}. I have never been shown documentation connecting me to these debts. They remain unverified, yet Experian continues to report them. In addition, a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$1600.00}, appears on my file, as well as a collection from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$670.00}. Neither of these accounts has ever been validated, and their continued reporting is unlawful. 

Finally, my credit file shows an inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I did not authorize this company to access my credit report. Under FCRA 604 ( a ) ( 2 ), a credit inquiry must have a permissible purpose. Since this inquiry was unauthorized, its reporting is illegal and damaging to my credit. 

These items are harming my creditworthiness, limiting my financial opportunities, and causing me personal stress. Experian has failed in its duty under federal law to ensure accuracy and to remove unverifiable information when properly disputed. I am requesting that the CFPB take action to hold Experian accountable and require the deletion of all inaccurate and unverifiable information listed above.

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