Consumer complaint received 2026-02-03 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: AZ

Complaint narrative:
I am submitting this formal complaint against Experian for its continued violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681c, arising from Experians reckless reporting, reinsertion, and failure to ensure maximum possible accuracy of materially false information in my consumer file after notice and prior disputes. Experian is currently publishing multiple addresses that do not belong to me and have never been associated with my identity, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, and Experian has failed to produce any lawful verification, permissible purpose, or documentary evidence establishing these addresses as accurate, thereby contaminating my credit file and violating federal accuracy standards. Experian is also reporting late payment history on XXXX XXXX opened XX/XX/XXXX with a reported high credit of {$60.00} without demonstrating a lawful investigation or furnisher certification as required under 1681s-2 ( b ), and I formally demand deletion of all alleged late payment history only associated with this account. In addition, Experian is reporting multiple charge-off accounts that I do not recognize, did not authorize, and have no contractual obligation for, including XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a reported high credit of {$820.00}, XXXX  account XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a reported high credit of {$2400.00}, XXXX XXXX XXXXXXXX account XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a reported high credit of {$3000.00}, and XXXX  XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a reported high credit of {$27000.00}, none of which have been supported by competent evidence of identity linkage, signed agreement, or lawful furnishing authority, and I demand permanent deletion of these accounts in their entirety. Experian is further reporting third-party collection accounts that are not mine, are not owed by me, and have never been validated under federal law, including XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a reported high credit of {$1400.00}, XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a reported high credit of {$560.00}, XXXX XXXX account XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a reported high credit of {$1000.00}, and XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a reported high credit of {$5800.00}, all of which must be permanently deleted immediately due to failure of validation, lack of consumer authorization, and Experians unlawful reliance on unverified furnisher data. Experian is also reporting an impermissible inquiry by XXXX without any permissible purpose under 15 U.S.C. 1681b, and I demand immediate deletion of this inquiry. Experians continued failure to correct these violations after notice constitutes willful and negligent noncompliance, causing ongoing credit, financial, and reputational harm, and this complaint serves as formal notice that Experian must immediately correct its records or face further regulatory escalation and legal enforcement.

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