Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am submitting this formal complaint against Experian for the continued reporting of inaccurate, outdated, and unverifiable information on my credit report. Despite my good-faith efforts to address these issues, Experian has failed to remove or correct the errors. These accounts, inquiries, and addresses are severely damaging my credit profile and causing me undue financial and emotional stress. I am requesting your immediate investigation and enforcement action. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : This account inaccurately reports a late payment even though the balance is {$0.00}. I was never late on this account, and no supporting documentation or billing records were provided by Experian upon my previous disputes. 
Violation : FCRA Section 611 ( 15 U.S.C. 1681i ) requires the consumer reporting agency to conduct a reasonable reinvestigation if a consumer disputes the accuracy of any item. Reporting unverifiable and inaccurate information is a direct violation of this federal law. 
Narrative : Experian has continued to report this negative item without proper verification. I have already submitted disputes with no satisfactory results. This error has caused credit denials and increased interest rates. 
Inquiries ( Unauthorized and Excessive Hard Pulls ) These hard inquiries have severely impacted my credit score without my authorization or knowledge of such volume. These appear to be excessive and likely part of a car dealership inquiry sweep. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Multiple inquiries on the same day or within a short period of time appear to be unauthorized or duplicated.

Violation : FCRA 604 ( 15 U.S.C. 1681b ) limits the circumstances under which a consumer report may be accessed. Pulling my report without a permissible purpose is illegal. 
Narrative : I never authorized this many hard inquiries. The clustering of inquiries within a few days points to abuse by dealerships or lending networks. These inquiries have drastically lowered my credit score and are preventing me from accessing affordable credit options.

Issue : Reporting of fraudulent or incorrect addresses can associate my credit with accounts or inquiries that do not belong to me.

Violation : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires Experian to maintain reasonable procedures to assure maximum possible accuracy of the information.

Narrative : These addresses are damaging my credibility and have exposed me to identity mix-ups and potential fraud. I have submitted disputes, but Experian has failed to remove them.

Summary and Request for CFPB Action I request the CFPB to investigate Experians repeated violations of the FCRA including : Failure to verify disputed late payments Continued reporting of unauthorized and excessive inquiries Inaccurate addresses which suggest identity confusion Failure to maintain reasonable procedures for data accuracy This gross negligence is not only a legal violation but has caused me personal, emotional, and financial harm. I respectfully request CFPB to compel Experian to correct these issues and hold them accountable for noncompliance.

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