Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate, unverifiable, and unauthorized items on my credit report. I have disputed these items directly with Experian in writing, but they have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. They continue to publish false and damaging information despite being notified, which is harming my creditworthiness, causing emotional distress, and affecting my ability to obtain credit on fair terms. 

First, Experian is reporting two addresses that do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never lived at, received mail at, or been associated with these addresses. Keeping inaccurate addresses on my file violates FCRA 607 ( b ), which requires Experian to maintain maximum possible accuracy and avoid mixed files. 

Second, Experian is reporting four accounts with false late payment information : XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} Reporting late payments without providing original signed agreements or payment history to prove accuracy. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$14000.00} Late payments reported but no documentation provided to verify them. 

XXXX  XXXX Date Opened XX/XX/XXXX Balance {$11000.00} Late payments alleged without proof from the furnisher. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Original Balance {$7000.00} Late payment history reported but never validated with supporting evidence. 

I have requested proof for each of these accounts, including original contracts and complete payment records, but Experian has failed to provide them. Under FCRA 611 ( a ), any item that can not be verified must be deleted. Continuing to report them without verification is a violation of both 611 ( a ) and 623 ( b ). 

Finally, Experian is reporting four unauthorized inquiries that I did not approve or initiate : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ), a company must have a permissible purpose to access a consumers credit report. I have no relationship or application history with these companies. These inquiries were unauthorized and obtained without my consent, yet Experian has refused to remove them. 

These errors are not harmless. They have caused me to be denied credit, pay higher interest rates, and face unnecessary reputational harm. The failure to correct or delete inaccurate and unverifiable data after proper dispute is clear evidence of Experians noncompliance with federal law. 

I request that the CFPB investigate Experians practices, require them to delete the inaccurate addresses, unverifiable late payment accounts, and unauthorized inquiries, and ensure they comply with all provisions of the FCRA moving forward.

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