Consumer complaint received 2025-11-05 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:
To Whom It May Concern, I am filing this complaint against Experian Information Solutions , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the continued reporting of inaccurate, unverified, and fraudulent information on my credit report, despite my disputes and requests for reinvestigation. 
Experian is reporting incorrect personal information, unverified charge-offs, collection accounts, and numerous unauthorized hard inquiries that I did not initiate or approve. These actions have caused significant harm to my credit standing and financial stability. 
Incorrect Personal Information Please delete the following addresses immediately, as I have never resided at these locations : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Inaccurate Account Information The following accounts are reported incorrectly and must be deleted as they are unverified or do not belong to me : XXXX XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account. Please delete it immediately. 
XXXX XXXX High Balance : {$18000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account does not belong to me and appears to be an error. Please remove it. 
XXXX XXXX High Balance : {$27000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account is inaccurate and unverifiable. Please delete it from my credit file. 
XXXX XXXX  XXXX High Balance : {$970.00} | Date Opened : XX/XX/XXXX | Status : Collection Duplicate and inaccurate reporting of the same account. Please remove both immediately. 
Unauthorized or Questionable Inquiries The following inquiries were not authorized by me and must be deleted under FCRA 604 ( a ) ( 2 ) and 609 ( a ) ( 1 ) : CXXXX 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 Violations of Federal Law Experians actions represent violations of the following provisions of the Fair Credit Reporting Act : 602A Failure to ensure fair and accurate reporting 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 609 ( a ) ( 1 ) ( A ) Failure to provide disclosure of account and source information upon request 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within the required 30 days 604 ( a ) ( 2 ) Unlawful access to consumer reports without permissible purpose Requested Action I am requesting that the CFPB conduct a full investigation into Experians handling of my credit report and compel them to : 1. Permanently delete all incorrect addresses listed above.

2. Delete or properly verify all the unverified accounts and duplicate entries.

3. Remove all unauthorized and impermissible inquiries.

4. Provide a corrected and updated copy of my credit report.

5. Confirm that Experian has reviewed and strengthened its compliance processes to prevent future violations. 
Harm Caused These reporting errors have resulted in severe credit damage, emotional distress, and loss of financial opportunities. I have been denied credit and subjected to higher interest rates because of Experians negligence. 
I am requesting immediate intervention by the CFPB to ensure Experian complies with the FCRA and removes all inaccurate, unverified, and unauthorized information from my file.

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