Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am filing this complaint against Experian because my credit report contains numerous inaccurate, unverified, and harmful items that I have not been able to correct despite my best efforts. These entries are affecting my financial stability and damaging my ability to access credit, and I believe they are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Many of these accounts either do not belong to me, were never validated, are duplicate entries, or contain misleading information. 

First, I found that Experian has listed an incorrect address on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. This is not an address I have lived at or used, and it raises serious concerns that my file XXXX be mixed with another individuals or that there has been identity confusion. Having the wrong address on file can lead to misreporting of accounts that do not belong to me, and this needs to be removed immediately. 

I also discovered a number of negative tradelines that I either do not recognize or were reported inaccurately. XXXX such account is from XXXX XXXX, account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$4800.00}. It is reporting late payments, but I was never properly notified or given the opportunity to review or correct the alleged delinquency. I dispute this account and demand validation. Another similar issue is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened on XX/XX/XXXX with a {$0.00} balance, which somehow still shows a late payment. It is misleading and unfair for an account with no balance to be marked derogatory. 

The report also lists a collection from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$2400.00}. I have never received any communication or validation for this debt from either the creditor or collector. The same issue applies to XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$190.00}, allegedly from XXXX XXXX. I was never informed that I owed this debt and was not given a chance to resolve it before it appeared on my credit report. 

There is also a listing from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1300.00}. I have no knowledge of this debt, and I never received any validation notice or communication regarding this collection. In addition, the original XXXX charge-off is also reported separately under accouXXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the same balance of {$1300.00}. These appear to be duplicate entries and unfairly double the negative impact to my credit. 

Another charge-off reported is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}. If the account is paid and closed, it should not still be reported as a charge-off. Similarly, XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00}, also appears with a charge-off status, which is inaccurate and unjustified. These accounts damage my score while lacking any clear explanation or documentation. 

There are XXXX charge-offs from XXXX XXXX XXXX, both listed under account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is opened on XX/XX/XXXX with a balance of {$830.00}, and the other on XX/XX/XXXX with a balance of {$1300.00}. These appear to be duplicate entries for the same account, differing only by slight changes in date and balance. This duplication is extremely damaging and violates fair reporting standards. 

Additionally, RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$790.00}, is showing a charge-off, but I do not recognize this account and was never notified or given a chance to resolve it. Another charge-off listed is from XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a small balance of {$55.00}. For such a minor amount, no billing or communication was ever made to me, and yet it was charged off and reported negatively without warning. 

Lastly, there are hard inquiries listed on my credit file that I never authorized. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not apply for any credit with these companies and did not give them permission to access my credit. These inquiries were unauthorized and are negatively affecting my score without cause. 

I am extremely distressed by these inaccuracies and the lack of proper communication, validation, and care from both the data furnishers and Experian. I believe Experian is violating multiple sections of the FCRA by failing to ensure maximum possible accuracy, failing to properly investigate disputed items, and allowing unverified and duplicate accounts to remain on my credit file. These errors have caused financial harm, emotional stress, and loss of opportunity for me and my family. 

I respectfully request that the CFPB hold Experian accountable for these violations and require them to conduct a full reinvestigation, provide proper documentation for each item, and remove or correct all inaccurate, unverifiable, and unauthorized entries from my credit report. Thank you for helping protect consumer rights.

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