Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I am submitting this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, unverifiable, and misleading information on my credit reporteven after a formal dispute was submitted. The following information was challenged based on inaccuracy or failure to verify, but Experian has failed to correct or remove it within the required timeframe. 

Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is not a valid address associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have never resided at this address.

These addresses are completely inaccurate and raise concerns of mixed files or identity error. Experian is required under FCRA 1681e ( b ) to ensure maximum possible accuracy of consumer information. 

Inaccurate Late Payments : XXXXXXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$530000.00} ) Late payment inaccurately reported. No delinquency occurred. 

XXXX XXXX ( Multiple Accounts ) XXXX ( Opened XX/XX/XXXX, {$63.00} ) XXXX ( Opened XX/XX/XXXX, {$120.00} ) XXXX ( Opened XX/XX/XXXX, {$210.00} ) XXXX ( Opened XX/XX/XXXX, {$180.00} ) These accounts contain late payments that I never missed. I dispute their accuracy and demand full verification. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$15000.00} ) Reported late payment is inaccurate and damaging. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$13000.00} ) Late payment reported during a documented hardship period, which was communicated to the lender. 

XXXX ( Opened XX/XX/XXXX, {$850.00} ) Disputing reported late payment due to billing communication failure. 

XXXX XXXX ( Opened XX/XX/XXXX, {$0.00} ) Reporting late payment on a paid and closed account is misleading. 

XXXX XXXX XXXX XX/XX/XXXX, {$0.00} ) Outdated derogatory mark on a XXXX balance account is not relevant to current credit behavior. 

These accounts all contain derogatory information that is either unverifiable, factually incorrect, or presented in a misleading context. Experian has failed to properly investigate them in compliance with FCRA 1681i ( a ). 

Unauthorized Inquiry : XXXX XXXX XXXX ( Hard Inquiry dated XX/XX/XXXX ) I did not authorize this inquiry. Experian has not provided proof of a permissible purpose under FCRA 1681b.

Resolution Requested : Immediate removal of all inaccurate addresses.

Permanent deletion or correction of all late payments that can not be fully verified. 

Removal of the unauthorized hard inquiry. 

Written confirmation from Experian showing that the inaccuracies have been corrected or deleted. 

Review of Experians internal procedures for handling consumer disputes.

Impact on Me : Due to Experian 's failure to uphold its responsibilities under federal law, I have suffered damage to my credit score, been denied credit, and faced emotional and financial hardship. I rely on the accuracy of my credit report to secure housing, auto loans, and employment opportunities.

Please investigate Experians non-compliance and assist in ensuring that my rights under the Fair Credit Reporting Act are fully enforced.

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