Consumer complaint received 2025-07-04 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) involving the reporting of inaccurate addresses, unverified charge-off and collection accounts, and unauthorized inquiries on my credit report. 

Despite previous attempts to dispute these items with Experian directly, the following entries remain unresolved : Incorrect Addresses XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses do not belong to me and were never associated with any of my credit accounts. Reporting inaccurate address information violates FCRA 607 ( b ) which mandates credit reporting agencies to maintain maximum possible accuracy in consumer reports.

Unverified & Inaccurately Reported Charge-off and Collection Accounts Experian has failed to provide evidence that the following accounts have been verified with original documentation as required by FCRA 611 ( a ) ( 1 ) ( A ) and 1681i ( a 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 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 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 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 Balance : {$860.00} | Status : Collection None of these furnishers provided documentation proving these accounts are mine or confirming the accuracy of the reported information. Experian simply marked these items as verified without complying with FCRA-mandated reasonable reinvestigation standards.

Unauthorized Hard Inquiries These inquiries were made without my consent or permissible purpose as required by FCRA 604 ( a ) ( 3 ) 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 XX/XX/XXXX Experian has failed to investigate or remove these inquiries despite my disputes. These inquiries were not authorized, and Experian has not provided any evidence of a permissible purpose as required by law. 

Requested Resolution : I request the CFPB take the following actions : Investigate Experian for failing to meet its obligations under the FCRA. 

Require Experian to provide full validation for the accounts and inquiries listed or permanently delete them if they can not be verified. 

Remove all inaccurate address entries. 

Ensure penalties or enforcement actions are taken if Experian is found to be willfully negligent. 
These errors are materially damaging my credit score and impairing my ability to obtain fair credit. I am requesting your assistance in ensuring Experian complies with the law and removes any unverifiable, inaccurate, or unauthorized information from my report.

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