Consumer complaint received 2025-08-28 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 submitting this complaint against Experian because my credit file contains several errors, unverifiable accounts, inaccurate information, and unauthorized inquiries that I have already disputed directly with them. Despite providing Experian with supporting documentation, including proof of identity, proof of address, and an FTC Identity Theft Report, they have failed to properly investigate or correct these issues as required by the Fair Credit Reporting Act ( FCRA ). 

My credit report lists addresses that are completely inaccurate and have no connection to me. Specifically, the addresses XXXX XXXX XXXX  XXXX, CA XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX not mine, and I have never lived at or been associated with either of these addresses. The presence of these addresses on my report suggests possible identity theft or a mixed-file error. Experian was notified of these inaccuracies but has not removed them. 

There are also multiple accounts on my report that are either unverified, fraudulent, or inaccurately reported. This includes XXXX Account # XXXX which shows a late payment that I dispute. I never received a notice of delinquency, and no documentation has been provided to substantiate this negative reporting. The report also lists XXXX Account # XXXX as a charge off. I do not recognize or authorize this account, and I have not been provided with a signed application, account-level details, or verification of its validity. These accounts are damaging my credit profile and have been reported without proper verification in violation of FCRA 607 ( b ) and 611.

Additionally, there is an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> that I did not authorize. I did not apply for any credit or services from XXXX XXXX on this date, and this inquiry was not removed when I first disputed it. The continued reporting of inquiries without a permissible purpose violates FCRA 604 ( a ) ( 2 ).

Despite my efforts to dispute these items in writing, Experian has either failed to respond appropriately or verified these entries without providing documentation or evidence. The companys actions are a direct violation of FCRA 611, which requires a reinvestigation within 30 days and mandates that unverifiable information be deleted. Their refusal to correct these errors is damaging my credit standing, causing financial harm, and creating unnecessary stress.

I request that the Consumer Financial Protection Bureau take action to ensure Experian conducts a proper reinvestigation, deletes all unverifiable addresses, inquiries, and accounts, and provides me with supporting evidence for any information they choose to retain. If Experian can not produce original signed agreements, account records, and permissible purpose documentation for inquiries, all disputed items must be removed in compliance with federal law.

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