Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Experian for reporting inaccurate, incomplete, and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite multiple attempts to resolve these matters directly with Experian, these inaccuracies remain and are severely impacting my financial health, creditworthiness, and ability to obtain credit, housing, and employment. Below are the specific items I am disputing, along with the relevant laws and issues : XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address is incorrectly listed on my credit report. I have never lived at this location nor have I ever been associated with it. The inclusion of this address constitutes a violation of the FCRA 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Including an address that is not mine is not only inaccurate but also highly irresponsible, as it may associate my identity with another individual and risk identity theft. This error needs immediate removal. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} XXXX XXXX Late Payment This account has multiple late payment entries that I have disputed multiple times due to inconsistencies in reporting and lack of proper validation. Under FCRA 1681i ( a ), a credit reporting agency must conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item. Experian failed to conduct a reasonable investigation and has continued to report the delinquencies despite not receiving sufficient validation from the furnisher. Additionally, this account may be re-aging the debt or misreporting the payment history timeline in violation of the FCRA. This negatively affects my credit score and perception of payment reliability, which is unfair given the potential errors or omissions in the furnishing of data. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Charge Off This account is inaccurately reported as a charge-off. I had made multiple payments and arrangements, yet the data does not reflect that. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Moreover, under 1681i ( a ) ( 5 ), when a reinvestigation reveals that the information is incomplete or can not be verified, the CRA must delete or modify the entry. Experian has failed to act accordingly despite the lack of proper documentation from the furnisher. This charge-off is unfairly labeling me as financially irresponsible, which is not accurate and damages my reputation. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Late Payment Even though the balance is XXXX and the account is closed, Experian is still reporting a late payment. This is misleading and violates FCRA 1681e ( b ) because it does not reflect the current and correct status of the account. An account that is closed and paid should not have derogatory remarks that were never properly validated or updated. The continued reporting of a late payment on an inactive account misrepresents my current financial status and history and is an example of Experians failure to maintain accurate data. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized/Unverified Inquiry This hard inquiry was not authorized by me. I never applied for any product or service from XXXX XXXX. Under FCRA 1681b ( c ), a credit inquiry must be permissible and based on consumer-initiated action. The presence of this unauthorized inquiry lowers my credit score and gives the false impression that Im actively seeking credit, which I am not. Experians failure to ensure inquiries are lawful and properly authorized reflects a failure to protect consumer rights. 
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Unauthorized/Unverified Inquiry I did not authorize this inquiry and have no relationship or transaction with XXXX Credit or XXXX XXXX. Again, Experian is violating XXXX of the FCRA by allowing access to my credit file without my consent or a valid permissible purpose. Inquiries like this negatively impact my score and must be removed immediately. 
XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX This inquiry is unauthorized. I did not initiate any application or transaction with XXXX XXXX. FCRA 1681b strictly outlines the conditions under which a consumer report may be accessed. This entry constitutes an impermissible access to my file, and Experian failed to protect my file from unauthorized third-party access. 
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Unauthorized/Unverified Inquiry I have never had any interaction or application with XXXX or XXXX XXXX XXXX. This hard inquiry should never have been permitted without my consent. Experian is responsible under FCRA 1681e ( a ) to ensure consumer report access is limited to entities with permissible purposes. Their failure to block or question this inquiry is a serious data protection failure. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized/Unverified Inquiry This inquiry is inaccurate and unauthorized. I never submitted an application with XXXX XXXX XXXX on or around this date. Experian has failed to ensure the accuracy and permissibility of this inquiry in violation of FCRA 1681b. This continues to unjustly penalize my score and portray me as someone frequently seeking credit. 
My credit report has been severely compromised by inaccurate account information, unauthorized inquiries, and misreported addresses. These violations are clear breaches of my rights under the FCRA, and Experian has failed to take corrective action despite being notified. I am requesting that the CFPB take immediate regulatory action to ensure Experian removes all of the disputed accounts, addresses, and inquiries listed above, conducts a full reinvestigation with proper verification, and provides a corrected copy of my credit report. I am also requesting that Experian be investigated for potential systemic noncompliance with the Fair Credit Reporting Act and that appropriate penalties be enforced.

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