Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions , Inc. for reporting multiple inaccurate, unverified, and unauthorized items on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my written dispute and request for correction, Experian continues to report false information that is harming my creditworthiness and financial reputation.

Experian is reporting two completely incorrect addresses that do not belong to me and have never been associated with my identity or residential history. These false addresses are XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX Reporting inaccurate identifying information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of all personal information in a consumers credit file. These false addresses indicate serious data management failures and have created confusion in my credit profile.

In addition, Experian is reporting several accounts with false late payment histories that are entirely untrue. I have never been late on these accounts, and no valid documentation or proof has been provided by Experian or the furnishers to verify these alleged delinquencies. The affected accounts include XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$6800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$2300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2000.00}. XXXX XXXX None of these creditors have provided signed or verifiable evidence of any late payments. Reporting such false data is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known or believed to be inaccurate. It also violates FCRA 611 ( a ) ( 1 ) ( A ), which requires Experian to delete or correct any unverified or inaccurate data following a proper reinvestigation.

These false late payment reports have had a damaging impact on my credit score and reputation. I have always maintained my accounts responsibly, and Experians negligent reporting has caused me emotional distress and credit denials, representing clear harm due to their failure to maintain compliance with the FCRA. 

Furthermore, Experian is allowing numerous unauthorized credit inquiries to remain on my file that were never approved by me. I did not apply for credit with these entities nor give any verbal or written consent for them to access my credit report. The unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Under FCRA 604 ( a ) and 15 U.S.C. 1681b, a credit bureau is prohibited from providing a consumer report to any entity that does not have a permissible purpose or written authorization from the consumer. Experians continued inclusion of these unauthorized inquiries represents a clear breach of this law and has caused unnecessary harm to my credit profile.

Despite my previous written dispute, Experian has failed to conduct a proper reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ). The company has not provided me with copies of verification documents, account records, or statements from furnishers confirming the accuracy of the disputed data. This failure to verify or correct the false and unauthorized items demonstrates negligence and willful noncompliance with federal law, as defined under FCRA 616617.

These ongoing inaccuracies and Experians failure to correct them have caused me substantial financial and emotional harm. My credit score has been unfairly lowered, affecting my ability to obtain new credit, qualify for favorable rates, and maintain my financial credibility. Experians lack of due diligence in verifying the data it reports constitutes a violation of consumer protection rights guaranteed under the FCRA.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians repeated failure to comply with federal law and take appropriate enforcement action. I request that Experian be compelled to immediately delete all inaccurate personal information, correct or delete the false late payment notations on all accounts listed above, and permanently remove all unauthorized credit inquiries from my credit report. 

If Experian continues to ignore these violations, I intend to escalate this matter further by filing formal complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. I reserve the right to pursue civil remedies under FCRA 616617 for damages resulting from Experians willful and negligent noncompliance.

I am requesting that the CFPB ensure Experians full compliance with the Fair Credit Reporting Act and protect my rights as a consumer by requiring the immediate correction and deletion of all false, unverified, and unauthorized information on 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