Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am submitting this formal complaint against Experian for its continued failure to remove or correct several inaccurate, unverifiable, and damaging items from my credit report. I have submitted multiple disputes directly to Experian and have gone through eight rounds of written challenges, yet they continue to report false data in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

There are two addresses listed on my credit report that are completely false and have no association with me whatsoever. These are XXXX XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX, XXXX, GA XXXX. I have never lived at either location, nor have I used these addresses in any legal or financial context. I have repeatedly asked Experian to remove them, but they remain. Their presence is dangerous as it creates a risk for identity confusion and could link me to accounts or inquiries that do not belong to me. 

Experian is also reporting two entries from DeptedXXXX, both with the same open date of XX/XX/XXXX, but with different balances {$6000.00} and {$3500.00}, respectively. These appear to be duplicate entries, and both include negative payment history that I have challenged with documentation. I have disputed the alleged late payments and asked Experian to verify them with full documentation. Instead of conducting a proper investigation as required by law, they have left both listings untouched, continuing to damage my score with redundant negative information. 

Additionally, there is a charge-off account from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a credit limit of {$1300.00}. I do not recognize this account and do not recall ever opening it. I requested validation of this account, including application records and billing statements, but Experian has refused to remove it or provide proof that I am responsible for the debt. The same issue exists with a charge-off from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$130.00}. Ive never been notified of any such account, nor have I had communication or engagement with this lender. 

Further issues involve two accounts from XXXX XXXX, one opened on XX/XX/XXXX and the other on XX/XX/XXXX. The first shows late payments with a {$0.00} high credit amount, which makes no sense. The second is showing as a charge-off, despite no proof that I ever had a relationship with this company. I do not understand how a {$0.00} high credit account can be charged off, and Experian has provided no explanation or documentation. 

There is also a collection account reported by XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$2400.00}. I do not acknowledge this debt and have never received any notices from XXXX XXXX XXXX or the original creditor. I have disputed this item several times and requested validation, including the original agreement and a full accounting, but Experian has left this item on my report without providing any verification. 

Finally, there are numerous unauthorized hard inquiries listed on my Experian report from companies I have never contacted, never applied for credit with, and never gave permission to access my credit file. These inquiries span dates from XX/XX/XXXX to XX/XX/XXXX, and include pulls from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and many others. I did not authorize any of these inquiries. According to the FCRA, hard inquiries may only be made with a permissible purpose and my authorization. These companies had neither, and Experian has ignored my multiple requests to remove them. 

Experians ongoing failure to act on my disputes is a clear violation of the FCRA, including 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( requiring reinvestigation of disputed information ), and 604 ( a ) ( 3 ) ( governing permissible access to consumer files ). I have followed the law, provided written disputes, and made my position clear multiple times. Their refusal to properly investigate and correct these issues has damaged my creditworthiness and caused me stress, financial loss, and emotional hardship. 

I am requesting that the CFPB investigate Experians handling of my case and compel them to remove or correct the inaccurate information immediately. I want all unverified accounts, duplicate records, false addresses, and unauthorized inquiries permanently deleted. At this point, I have no confidence in Experians internal dispute process and am relying on your agency to enforce the law and protect my rights as a consumer. 

Thank you for your attention to this matter.

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