Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
I am filing this complaint because Experian is continuing to report inaccurate and unverifiable information on my credit file despite multiple disputes. This is not the first time I have raised these issues, and Experian has failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 1681e ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. Under FCRA 1681i, they are required to reinvestigate disputed information and delete or correct any item that can not be verified. Despite my repeated disputes, Experian continues to report the following inaccurate items : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Wrong address. I have never lived on this military base or had any association with it. Keeping this in my file is misleading and creates the risk of identity confusion. This violates FCRA 1681e ( b ) because it is not accurate identifying information. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong address. I have never lived at or been associated with this property. Reporting unrelated addresses damages the integrity of my credit file. 

XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  High Credit : {$510.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Late payment reporting is inaccurate and unverifiable. I have requested documentation proving the alleged delinquency from the furnisher, but none has been provided. Reporting unverified negative history is a violation of FCRA 1681s-2 ( a ) and FCRA 1681i. 

XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} * * Late payment history is inaccurate. I have requested validation, but no documentation has been provided to prove the accuracy of these late payment entries. Without proof, this information must be deleted under FCRA 1681i. 

XXXX Inquiry Dated : XX/XX/XXXX Unauthorized hard inquiry. I did not apply for credit with XXXX on this date, and no account was opened. Under FCRA 1681b, a credit bureau can only include inquiries that have a permissible purpose. 

XXXX XXXX Inquiry Dated : XX/XX/XXXX Unauthorized hard inquiry. I never sought credit from this company, and no account exists as a result. This violates FCRA 1681b because there was no permissible purpose. 

XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Unauthorized hard inquiry. I did not authorize this inquiry, did not apply for credit with XXXX XXXX, and no account was opened. 

Experian has responded to my prior disputes with generic verified statements but has provided no documentation or proof to support their continued reporting of these items. This is not a reasonable reinvestigation under FCRA 1681i. 

These violations have caused real harm, including reduced credit scores, denial of favorable credit terms, reputational damage, and XXXX XXXX I am requesting that the CFPB require Experian to : Delete all wrong addresses from my credit file. 

Remove unverifiable late payment history. 

Delete all unauthorized inquiries unless Experian can provide written proof of my authorization and permissible purpose. 

Experians repeated refusal to correct these errors after multiple disputes shows willful noncompliance with federal law, and I am requesting regulatory intervention.

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