Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
This is my first formal complaint against Experian for repeatedly reporting inaccurate, outdated, and unverifiable information on my credit file. Despite prior attempts to resolve these issues directly with Experian, I have not received any meaningful response or correction. This failure directly violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to reasonably investigate disputed information 15 U.S.C. 1681b ( f ) Inquiries made without permissible purpose 15 U.S.C. 1681c ( a ) ( 5 ) Reporting outdated derogatory information Personal Statement ( Story ) : I have taken great strides in improving my financial situation, yet Experians inaccurate and negligent reporting is harming my credit and causing ongoing financial hardship. Ive been denied credit, quoted excessively high interest rates, and even faced difficulties securing housing and transportation because of these errors. 

I submitted formal disputes with documentation, but Experian either failed to respond or continued to verify inaccurate information. This has caused emotional stress, wasted time, and unnecessary damage to my financial standing. I am now escalating this issue to the CFPB to ensure a lawful and proper resolution. 

Item-by-Item Issues : Wrong Addresses ( Violation of 1681e ( b ) ) : The following addresses are not mine and should be removed immediately : 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 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 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 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 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 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 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 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 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 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 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 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  No proof of original debt, ownership, or assignment was ever presented after dispute. 

Collection Accounts ( Violation of 1681e ( b ) & 1681i ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Appears Twice with Different Balances ) These accounts were reported by a debt buyer with no original creditor documentation or proof of assignment. The same account is duplicated with different balances, which is deceptive. Experian has not verified these accounts after my dispute, violating 1681i ( a ).

Unauthorized Hard Inquiries ( Violation of 1681b ( f ) ) : I did not authorize or initiate the following hard credit pulls : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These inquiries were conducted without my permission or a legitimate credit application. They had no permissible purpose and are damaging my score. 

Requested Relief : I request the CFPB to require Experian to : Immediately delete all inaccurate, outdated, or unverifiable entries listed above Remove all incorrect addresses Remove all unauthorized inquiries Conduct a full reinvestigation with supporting documentation Provide written confirmation that corrections have been made If Experian can not verify the accuracy of each item within 30 days, per FCRA 1681i ( a ) ( XXXX ) ( A ), they are required to delete the item from my 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