Consumer complaint received 2025-08-14 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 filing this dispute because Experian is reporting multiple items on my credit report that are inaccurate, unverifiable, and in some cases completely unauthorized. These errors have caused significant harm to my credit score, limited my access to financial opportunities, and created a misleading picture of my credit history. 

First, there are two addresses on my file that I have never lived at : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no association with either property. Under FCRA 605B and 609 ( a ) ( 1 ) ( A ), you are required to ensure that all personal identifying information is accurate and to remove unverifiable addresses after a dispute. Leaving them on my file is misleading and increases my risk of identity theft. 

In addition to the address errors, several accounts are being reported with late payments, charge-offs, and collections without proper verification. Experian is reporting two XXXX XXXX XXXX accounts, both opened on XX/XX/XXXX, with different balances of {$23000.00} and {$47000.00}. Not only do these appear to be duplicates, but they also show late payment histories that are not supported by any original creditor records. This violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require that all reported information be accurate and verifiable. 

The Department of EducationXXXX account opened on XX/XX/XXXX, with a {$65000.00} balance, is also reported with late payments. I dispute the accuracy of these delinquencies, as I have no record of being late. Without original payment records showing the alleged default, this entry is unverifiable and must be deleted under FCRA 611 ( a ). 

There are also several charge-off accounts being reported without validation : XXXX XXXX  XXXX XXXX. ( Account ending in XXXX, opened XX/XX/XXXX, {$0.00} balance ), XXXX XXXX  ( Account ending in XXXX, opened XX/XX/XXXX, {$7400.00} balance ), XXXX  XXXX XXXX ( Account ending in XXXX, opened XX/XX/XXXX, {$0.00} balance ), XXXX  ( Account ending in XXXX, opened XX/XX/XXXX, {$1500.00} balance ), and XXXX XXXX XXXX ( Account ending in XXXX, opened XX/XX/XXXX, {$4200.00} balance ). None of these accounts have been verified with signed contracts, original statements, or proof of default from the original creditors. Reporting them without validation violates FCRA 623 ( a ) ( 1 ) ( A ) and, for XXXX XXXX, also violates the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which requires debt validation before collection reporting. 

Finally, Experian is reporting multiple unauthorized hard inquiries on my file : XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX/XXXX  XXXX ( XX/XX/XXXX XXXX. I never applied for credit with these companies or authorized these credit pulls. Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist for an inquiry, and none exists in these cases. These inquiries are damaging to my credit score and must be removed. 

Experians continued reporting of these items without proper verification shows a clear failure to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ). This ongoing inaccuracy has caused me credit denials, higher interest rates, and emotional distress. I request that Experian immediately conduct a proper reinvestigation, delete all inaccurate and unverifiable information, and provide written confirmation of the corrections as required by law.

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