Consumer complaint received 2025-09-30 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint because my rights under the Fair Credit Reporting Act are being violated by Experian through the reporting of inaccurate, unverifiable, and damaging information. As a consumer, I am entitled to fair and accurate reporting, yet Experian continues to allow false data on my credit file which is directly harming my financial reputation and access to opportunities. The FCRA under 607 ( b ) requires Experian to assure maximum possible accuracy, and 611 obligates them to reinvestigate and delete any information that can not be verified. These obligations are not being met in my case, and I am seeking immediate relief. 

My Experian credit report reflects a charge off with XXXX # XXXX * *, date opened XX/XX/XXXX, high credit {$5400.00} * *, which I have no knowledge of. I never opened this account, nor have I ever contracted with XXXX XXXX for such an obligation. The reporting of this account without proof of ownership is unlawful and violates FCRA 623 ( a ) ( 1 ) ( A ), which forbids furnishers from reporting information they know or should know is inaccurate. Unless valid, documented proof bearing my signature is produced, this account should not appear on my report. 

Another false entry is XXXX XXXX # XXXX * *, opened XX/XX/XXXX with a listed high credit of {$6800.00} * *, also reported as a charge off. I have no relationship with XXXX XXXX for this alleged account. Experian has failed to provide any lawful evidence showing that this debt is mine. Under FCRA 611, disputed accounts must be verified with documented proof or deleted. Continuing to report this without verification is reckless and a clear violation of federal law. 

There is also a charge off account being reported from XXXX XXXX # XXXX * *, opened XX/XX/XXXX with a balance of {$1300.00} * *. I do not recognize this account, nor have I ever contracted with XXXX for credit in this manner. By reporting unverifiable debt, Experian is publishing false information about me and disregarding its duty to assure accuracy. FCRA clearly requires deletion if a furnisher can not provide original documentation to substantiate the reporting, yet Experian continues to publish this account. 

In addition to the false charge off accounts, my Experian file shows an unauthorized inquiry from XXXX XXXXXXXX XXXX dated XX/XX/XXXX. I never authorized XXXX XXXX to pull my credit file on this date, nor did I initiate any application with them that would grant permissible purpose. The FCRA under 604 specifically prohibits consumer reports from being accessed without authorization or a legitimate reason. This inquiry has damaged my creditworthiness and represents another unlawful act allowed by Experian. 

The inclusion of these false accounts and unauthorized inquiry is not just a minor reporting mistakeit is a violation of my consumer rights under federal law. These errors harm my financial identity, misrepresent me to lenders, and unfairly reduce my opportunities for credit, housing, and employment. Experian has shown disregard for its obligations under the FCRA by continuing to report this information despite my disputes. Under 611, Experian is required to delete these unverifiable items within XXXX days, yet they remain on my report. 

I am requesting that the CFPB investigate Experians failure to comply with the Fair Credit Reporting Act, compel them to permanently delete the false XXXX # XXXX * * * * account, the XXXXXXXX XXXX # XXXX * * * * account, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX inquiry. I am asking that these violations be addressed promptly to protect my rights and restore the accuracy of my credit file.

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