Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing this complaint because my Experian credit report contains numerous inaccurate, unverifiable, and misleading items that are creating serious harm to my credit reputation, financial stability, and overall consumer rights. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy and to delete or correct any information that can not be verified. Unfortunately, Experian has failed to comply with these federal requirements, and as a result, my report is being polluted with incorrect data that is damaging me. 

My file is currently showing two wrong addresses, XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of which do not belong to me and have no lawful connection to my personal history. Reporting addresses that are not mine violates FCRA 607 ( b ) which requires maximum accuracy, and it also increases the likelihood of identity confusion or mixed-file issues. 

Experian is also reporting multiple late payment accounts without proper verification. These include XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$190.00}, XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$450.00}, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$970.00}, XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balance {$3600.00}, and XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balance {$790.00}. These late payment records are harming my creditworthiness, and since they have not been validated with contractual evidence as required under FCRA 611 ( a ), they should not be reported.

My credit file also shows several charge off accounts that are unlawful, inaccurate, and unverifiable. These include XXXX  account XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balance {$1500.00}, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$120.00}, XXXX  XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balance {$3500.00}, XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$0.00}, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$1300.00}, XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$20000.00}, XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balance {$4900.00}, XXXX account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$1700.00}, XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with balance {$4800.00}, and XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with balance {$18000.00}. These charge offs have never been backed with proper validation or original documentation, and their presence violates FCRA 609 ( a ) ( 1 ), which gives consumers the right to obtain records from furnishers. By continuing to report these unverifiable charge offs, Experian is operating in violation of federal law. 

Additionally, my file lists several hard inquiries that are not authorized and lack permissible purpose. These include XXXXXXXX XXXX inquiry dated XX/XX/XXXX, XXXX XXXX inquiry dated XX/XX/XXXX, XXXXXXXX inquiry dated XX/XX/XXXX, XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXXXXXX inquiry XXXX XX/XX/XXXX XXXX and XXXX inquiry dated XX/XX/XXXX. Under FCRA 604, a consumer reporting agency may only provide a consumer report when there is a permissible purpose such as an application initiated by the consumer, but none of these inquiries were authorized by me. Reporting unauthorized inquiries lowers my credit score and is a violation of my rights.

The continued reporting of these wrong addresses, unverifiable late payments, unlawful charge offs, and unauthorized inquiries is a direct violation of multiple sections of the FCRA, including 602, 607, 609, and 611. These violations have damaged my financial standing by reducing my credit score, limiting my access to credit, and creating reputational injury. Experian has had an opportunity to correct these issues but has failed to meet its legal obligations under federal law.

I am requesting that the Consumer Financial Protection Bureau hold Experian accountable for these violations and compel them to immediately remove or correct these inaccurate and unverifiable items. If Experian can not provide lawful verification, then they must delete the information from my file as mandated by law.

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