Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. Theres an account reporting ( XXXX, XXXX ) that I never authorized. I didnt open it, I didnt give permission for it to appear on my file, and I definitely didnt consent to have it reported to any credit bureau. 

At no point did I provide written authorization, verifiable electronic consent, or any other form of approval for this account or the related hard inquiries. Its presence on my credit file is unauthorized and has caused ongoing damage to my financial stability and reputation. 

After carefully reviewing my report, I also discovered that Experian is reporting hard inquiries connected to this same unauthorized account inquiries that were made without my consent or knowledge. 

To document this situation, I filed a Police Report ( Case No. XXXX ) confirming that the account and inquiries were unauthorized. Despite this official documentation, Experian has continued to report this false information, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

LEGAL VIOLATIONS : After extensive research into my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), I have identified several sections of federal law that Experian has violated by continuing to report this unauthorized information.

FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose This law explicitly prohibits the use or disclosure of a consumers credit information without a valid permissible purpose. 
For Experian to include this account or allow related credit inquiries, there must be verifiable evidence of my consent. 
I never signed, authorized, or consented to the reporting or inquiry of this account. Therefore, Experians inclusion of this information violates Section 604, as it constitutes access to and publication of my non-public personal information without legal authorization.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Information Resulting from Identity Theft When a consumer submits an identity theft report, the credit bureau is required to block the disputed information within four ( 4 ) business days. 
I provided Experian with a valid Police Report ( XXXX ) identifying the account as fraudulent and unauthorized. 
Despite this, Experian has not blocked or deleted the information as mandated by law. The continued presence of this account and inquiries on my file constitutes a direct violation of Section 605B, which requires prompt blocking once identity theft documentation is received.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to Assure Maximum Possible Accuracy Experian is required to follow reasonable procedures to assure maximum possible accuracy in every consumer report. 
Reporting an account that I never authorized without verifying its legitimacy fails to meet this standard. 
The inclusion of unverified, unauthorized data distorts my credit history and damages my financial credibility, constituting a clear breach of this federal duty.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate and Delete Unverifiable Information When a consumer files a dispute, the credit bureau must conduct a reasonable investigation and delete any information it can not verify through actual documentation. 
I formally disputed this account, and to date, Experian has not provided any documentary evidence showing that I authorized this account. 
Without proof of written authorization, the FCRA requires the information to be deleted immediately. A phone verification or automated system check does not meet the statutory definition of a reasonable investigation. 

FCRA XXXX XXXX ( a ) ( XXXX ) ( B ) Illegal Reinsertion Procedures If Experian deletes this account but later attempts to reinsert it, the FCRA outlines strict legal requirements : The furnisher must provide written certification that the information is complete and accurate.

Experian must notify me in writing within five ( 5 ) business days of any reinsertion.

There must be documentary evidence proving I authorized the account.

Failure to meet these conditions constitutes a willful violation under 15 U.S.C. 1681n, which carries liability for statutory, punitive, and actual damages.

Metro 2 Compliance Violations Beyond the FCRA, Experian must also ensu
re that data it reports complies with the CDIA Metro 2 standards, which require information to be : Complete Accurate Consistent Current The disputed account fails all of these criteria because : Its inaccurate ( I never authorized it ). 
The inquiries lack a valid permissible purpose.

There is no documentation supporting their inclusion.

Under both the FCRA and Metro 2, this account and its related data are invalid and must be permanently deleted.

PERSONAL IMPACT : This issue has caused real, measurable harm in my life : My credit score dropped significantly due to the unauthorized account.

When I applied for a mortgage, I was denied, and the loan officer specifically cited this account as the reason. 

I did obtain vehicle financing, but the interest rate was much higher than I should have received, forcing me to overpay each month for something I didnt cause. 

I was denied a credit card I legitimately applied for, and each new denial adds more hard inquiries, compounding the damage.

Ive spent hours making calls, conducting research, and preparing documents just to correct information that should never have been reported in the first place.

My financial progress is delayed, my goals are on hold, and I experience constant stress and anxiety due to Experians failure to fulfill its legal obligations. 

This situation is not an abstract data issue it directly affects my financial well-being, access to fair credit, and peace of mind.

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