Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for their continued failure to address multiple inaccuracies on my credit report, despite having submitted multiple disputes, including this being my 4th round of correspondence. Experian has failed to comply with the obligations outlined in the Fair Credit Reporting Act ( FCRA ) and continues to report incorrect and unverifiable items on my credit profile. These violations are causing me ongoing financial and emotional harm. 

The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is being reported on my credit file despite the fact that I have never lived at or been associated with it in any way. It is not my address and may be the result of a mixed file or reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was opened on XX/XX/XXXX with a reported high balance of {$1800.00} and is showing late payments that occurred during a time when I was under financial hardship and had reached out to the creditor. The late notations continue to appear on my file without proper validation, and Experian has failed to provide any documentation to support their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX with a high balance of {$1200.00}, this account is also showing late payments despite a lack of proper communication or verification. I have disputed this account previously and have not received any response with supporting documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account, opened on XX/XX/XXXX, with a high balance of {$1500.00}, is being reported as a charge-off. I have requested complete validation of this charge-off but have never received any records, billing statements, or proof of the debt. Despite this, Experian continues to report the item as valid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was opened on XX/XX/XXXX with a high balance of {$2200.00} and is also being reported as a charge-off. I have disputed this with Experian, yet they have failed to provide verification of the balance, status, or source of information. 

XXXX XXXX Inquiry on XX/XX/XXXX This hard inquiry was made without my consent or knowledge. I did not apply for credit or services from this company, making this inquiry a violation of FCRA 604 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX Inquiry on XX/XX/XXXX This inquiry is also unauthorized. I did not initiate any request or authorize US Bank to access my credit on that date. 

These issues represent clear violations of the FCRA, including but not limited to 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 604 ( a ) ( 3 ). Experian has failed to maintain reasonable procedures to ensure maximum possible accuracy, has not provided the requested documentation, and has not removed inaccurate or unverified items after multiple rounds of disputes. 

Despite my repeated requests and submissions, Experian has taken no meaningful action to correct these errors. I am requesting that the CFPB take immediate action to investigate Experians practices in this matter. I am asking for a full reinvestigation and removal of all items that can not be verified with full and accurate documentation, including the incorrect address, late payments, charge-offs, and unauthorized inquiries. Furthermore, I request that Experian be compelled to provide a detailed description of how any item they continue to report was verified. 

Please find attached copies of my previous disputes, supporting documents, and current screenshots of the inaccurate items being reported. I am hoping for a timely and just resolution to this matter with your support.

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