Consumer complaint received 2025-10-21 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 against Experian Information Services LLC for reporting false, unverifiable, and damaging information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). These inaccuracies include wrong addresses, charge-off accounts, collection accounts, and unauthorized inquiries that do not belong to me and have caused significant harm to my credit reputation. 

After reviewing my Experian credit report, I discovered that two addresses are being reported that have never been associated with me in any way. These are XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX I have never lived at or used either of these addresses. Reporting false personal identifying information constitutes a clear violation of FCRA Section 607 ( b ), which requires Experian to maintain maximum possible accuracy of consumer data. These wrong addresses indicate serious procedural failures or potential file mixing and must be deleted immediately. 

My Experian report also contains several charge-off accounts that I have no knowledge of and have never authorized. The first is AFFIRM XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$130.00}. The second is XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$220.00}. The third is XXXX XXXXXXXX account number XXXX, opened on XX/XX/XXXX, with an original balance of {$53.00}, which is being reported with a late payment. I have never had any credit relationship with XXXX XXXX, nor have I signed any agreement authorizing these accounts. The continued reporting of these unverifiable accounts violates FCRA Section 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation whenever a consumer disputes the accuracy of information. If Experian can not obtain original documentation proving my ownership, these accounts must be deleted in accordance with FCRA Section 611 ( a ) ( 5 ) ( A ). 

The next account in error is XXXX  XXXX account number XXXX, opened on XX/XX/XXXX, showing a balance of {$740.00} and marked as a charge-off. I have never opened any account with XXXX XXXX matching this information. Similarly, XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$460.00}, is also not mine. Reporting such unverified accounts is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Experians continued publication of these false accounts demonstrates negligence and failure to comply with FCRA Section 602A, which mandates fairness, accuracy, and the protection of consumer privacy. 

Another serious inaccuracy is the listing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with an original balance of {$4700.00}, being reported as a charge-off. I have no connection to this account, and its inclusion in my credit file is false. Reporting government-related charge-off information without proper verification is a significant violation of the FCRAs accuracy provisions and must be immediately corrected. 

Additionally, my report lists XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$8700.00} and marked as a charge-off. I have never had any relationship or account with XXXX XXXX. This information is completely false, unverifiable, and damaging. Under FCRA XXXX XXXX, Experian must block or remove any information resulting from misidentification, error, or identity theft once it is disputed. This account must therefore be deleted from my credit file. 

There are also multiple collection accounts that I do not recognize or owe, including XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$5300.00} ; XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$700.00} ; XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$920.00} ; and XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$2300.00}. I have never received any communication, validation of debt, or proof of ownership for any of these alleged accounts. Reporting these unverified collections violates FCRA Sections 602A, 607 ( b ), and 623 ( b ), which require furnishers to verify disputed information before continuing to report it. Experian must delete these accounts immediately if they can not be verified through valid evidence. 

Furthermore, Experian has listed multiple unauthorized hard inquiries on my credit report that were made without my consent. These include XXXX on XX/XX/XXXX, and again on XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I did not authorize any of these entities to access my credit file. Obtaining a consumer report without a permissible purpose is a direct violation of FCRA Section 604 ( a ). These unauthorized inquiries represent illegal access to my personal credit data and must be deleted immediately to restore compliance and privacy protection.

Despite my previous attempts to dispute these inaccuracies, Experian has failed to conduct a reasonable reinvestigation or provide proper verification. This violates FCRA Section 611 ( a ), which requires consumer reporting agencies to investigate disputed items thoroughly and delete any unverifiable information within thirty da
ys. Experians continued reporting of these items demonstrates noncompliance and disregard for its statutory duties under federal law. 
The ongoing reporting of false and unverifiable information has caused me significant harm, including reduced credit score, emotional distress, and denial of credit opportunities. Under FCRA Section 616 ( 15 U.S.C. 1681n ), willful noncompliance with the Act entitles a consumer to damages, costs, and attorneys fees. 

I am therefore requesting that the Consumer Financial Protection Bureau investigate Experian Information Services LLC for violations of FCRA Sections 602A, 604 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ), and 623 ( b ). Experian should be required to immediately conduct a lawful reinvestigation, remove all unverifiable accounts, incorrect addresses, and unauthorized inquiries from my report, and provide me with written confirmation and a corrected credit file reflecting only verified and lawful information. 

This complaint is being submitted in good faith to restore the accuracy, integrity, and lawfulness of my credit file and to ensure that Experian fully complies with the Fair Credit Reporting Act as required under 15 U.S.C. 1681 et seq.

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