Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions , Inc. for reporting multiple inaccurate, unverified, and unauthorized items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my written disputes and repeated requests for correction, Experian continues to report false information that is harming my creditworthiness, financial stability, and personal reputation.

Experian is reporting two completely inaccurate addresses on my credit report that are not and have never been associated with me. The addresses XXXX XXXX XXXX XXXXXXXX, CA XXXX and XXXX XXXX XXXX, XXXX, CA XXXX XXXX incorrect. I have never resided at either address, and they should not appear in my credit file under any circumstances. Reporting false personal identifying information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The presence of these false addresses in my credit file demonstrates Experians failure to properly verify data sources and maintain accurate consumer information. 

In addition, Experian is reporting several accounts as having late payments, which is completely false. I have never made late payments on these accounts, and no documentation or proof from the furnishers has ever been provided to support these claims. The falsely reported accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2.00} ; XXXX XXXX XXXXXXXX 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  opened on XX/XX/XXXX with a balance of {$0.00}. 

Experians reporting of false late payments violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known or reasonably believed to be inaccurate. It also violates FCRA 611 ( a ) ( 1 ) ( A ), which requires Experian to conduct a reasonable reinvestigation and delete unverifiable information. Despite my prior dispute, Experian has failed to provide any signed documents, billing records, or verification from these creditors proving that the alleged late payments actually occurred. The continued reporting of these false delinquencies has unfairly lowered my credit score and damaged my financial credibility.

Experian is also reporting two collection accounts that are completely unverified and unauthorized. These accounts are XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$26000.00}, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$2800.00}. I have never received any debt validation notice, billing statement, or proof of these debts. These collection entries are being reported without any verification from the original creditors, which violates FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). By continuing to report unverified collection accounts, Experian is knowingly publishing false information that is severely harming my credit standing. 

Furthermore, my Experian credit report contains unauthorized hard inquiries that were made without my consent or any permissible purpose under FCRA 604 ( a ) and 15 U.S.C. XXXX. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I never applied for credit with these entities, nor did I provide written or verbal authorization for them to access my credit report. These inquiries were made without my knowledge or approval, and Experians continued inclusion of these unauthorized pulls violates my privacy rights and federal law. 

Despite my clear written dispute, Experian has failed to provide me with a complete and reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ). I have not received documentation, verification evidence, or a description of the reinvestigation process as mandated under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Experians failure to verify the accuracy of these disputed items and its continued publication of false information constitutes willful noncompliance and negligence under FCRA 616617, which provide for actual and statutory damages for affected consumers. 

The false addresses, incorrect late payment notations, unverified collection accounts, and unauthorized inquiries have caused serious and ongoing harm to my credit file. My credit score has been unfairly reduced, I have experienced denials for financial opportunities, and my overall credit reputation has suffered. Experians refusal to correct these inaccuracies after being notified demonstrates a reckless disregard for its legal obligations under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) open a formal investigation into Experians repeated violations of the Fair Credit Reporting Act and compel Experian to immediately delete all inaccurate, unverified, and unauthorized information from my credit report. Specifically, I am requesting the removal of the false addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX, the correction or deletion of the false late payment records for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the permanent deletion of the unverified collection XXXX ( XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as the unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If Experian fails to correct these violations, I will also file complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office, and I will consider pursuing civil remedies for damages under FCRA 616617 for willful and negligent noncompliance. I am requesting that the CFPB enforce Experians compliance with federal law and ensure that my credit report is corrected to accurately reflect verified and legitimate information only.

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