Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am refiling this complaint against EXPERIAN for its continued failure to comply with its statutory obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the New Jersey Fair Credit Reporting Act ( N.J. Stat. 56:11-28 et seq. ). Despite receiving notice of inaccuracies and unauthorized activity on my credit file, Experian has failed to maintain maximum possible accuracy, failed to conduct lawful reinvestigations, and failed to prevent or remove unauthorized access to my consumer report. Experians conduct constitutes both negligent and willful noncompliance with federal and state consumer protection laws. 

INACCURATE AND ERRONEOUS ACCOUNT REPORTING Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Experian is reporting multiple late payments for this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These derogatory entries are false, inaccurate, and unsupported by any factual payment history, as I was never late on this account. The reporting of delinquency where none exists materially misrepresents my creditworthiness and has caused ongoing financial harm. 

I previously disputed these inaccuracies, yet Experian failed to correct or delete the false late payments and failed to provide any competent evidence that these entries were verified using original source documentation. This demonstrates that Experian did not conduct a reasonable reinvestigation and instead relied on automated or superficial processes, which is expressly prohibited under the FCRA. 

This conduct constitutes violations of, but is not limited to : 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( FCRA 611 ( a ) ) Failure to conduct a lawful and reasonable reinvestigation after notice of dispute.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA 623 ( a ) ( 1 ) ( A ) ) Reporting information with actual knowledge of inaccuracies or with reckless disregard for accuracy. 

N.J. Stat. 56:11-33 and 56:11-35 Failure to maintain accuracy and correct known errors under New Jersey law. 

Experians continued reporting of these inaccuracies after dispute and notice constitutes evidence of reckless disregard for the truth. 

UNAUTHORIZED AND IMPERMISSIBLE CREDIT INQUIRIES Experian has also allowed multiple third parties to access my consumer report without my knowledge, consent, or any permissible purpose. I did not provide written, verbal, or electronic authorization for any of the following inquiries : XXXX / XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 By furnishing my credit report to these entities without ensuring a legally valid permissible purpose, Experian unlawfully disclosed my consumer information and failed to safeguard my credit file. 

These actions violate : 15 U.S.C. 1681b ( a ) & 1681b ( f ) ( FCRA 604 ) Permissible purpose requirements and prohibition on unauthorized access.

15 U.S.C. 1681e ( a ) ( FCRA 607 ( a ) ) Failure to maintain procedures to limit furnishing of reports to lawful purposes.

15 U.S.C. 1681n and 1681o Willful and negligent noncompliance.

N.J. Stat. 56:11-31 Unlawful procurement and disclosure of consumer report information. 

SUMMARY OF VIOLATIONS Experian has violated federal and New Jersey law by : Reporting materially false payment history Failing to conduct lawful reinvestigations after dispute Continuing to publish inaccurate information after notice Allowing unauthorized and impermissible inquiries Failing to maintain reasonable procedures to protect consumer data This pattern of conduct reflects systemic noncompliance, not isolated error.

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