Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple inaccuracies that are harming me financially and emotionally. Despite my previous disputes, Experian has not corrected these errors or provided proper documentation to support the accuracy of the information being reported. The inaccurate entries include two wrong addresses, an account reported with late payments, a charge-off that has not been verified, and an unauthorized inquiry.

The first incorrect address listed is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, which I have never lived at, and the second incorrect address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX which also has no connection to me. Reporting false addresses on my credit file is not only damaging to my reputation but also raises serious concerns about the accuracy of other information Experian is reporting. 

In addition, my report includes an account from XXXX XXXX XXXX XXXX, account number XXXX, which shows a reported balance of {$840.00} and a status of late payment with a date opened of XX/XX/XXXX. I have not been provided with any proper documentation or verification proving the accuracy of this account or these late payments. This reporting has severely harmed my credit profile and is being maintained without meeting the verification requirements outlined under the Fair Credit Reporting Act ( FCRA ). 

Another major issue is the reporting of a charge-off from XXXX, account number XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$6200.00}. I have disputed this account multiple times, yet Experian and XXXX have failed to provide any verifiable evidence proving the accuracy of the balance, the charge-off status, or the dates of delinquency. This continued reporting without proper validation is not only inaccurate but also unlawful under FCRA Sections 607 and 611, which require consumer reporting agencies to ensure that all information is complete and verified. 

Lastly, my Experian file contains an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX. I never applied for credit with XXXX XXXX  or authorized this inquiry, yet it remains on my credit file, causing harm to my creditworthiness. 

These errors have caused me significant financial hardship, stress, and embarrassment, as they have lowered my credit score, prevented me from obtaining fair credit opportunities, and created unnecessary suspicion around my identity and financial history. I have followed proper dispute procedures, yet Experian has failed to conduct a proper investigation or remove these unverifiable items as required by law. I am asking the Consumer Financial Protection Bureau to intervene and hold Experian accountable for their failure to comply with federal law. I request a thorough investigation into Experians reporting practices and demand that all unverifiable or inaccurate information be permanently removed from my credit report.

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