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: GA

Complaint narrative:
I am submitting this complaint to formally dispute numerous inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) on my Experian credit report. These errors have caused severe damage to my creditworthiness, and Experian has failed to uphold its legal responsibilities under 15 U.S.C. 1681e ( b ), 1681i, and 1681b. Each account below is listed with its specific issue, applicable law, and explanation. 
Address : XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX Issue : Incorrect address reporting on my credit file. 
Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy. 
Explanation : These addresses do not belong to me, and their presence on my report causes confusion and potential misidentification. Reporting such inaccurate addresses violates my rights and reflects Experians failure to ensure accuracy, possibly harming my creditworthiness unfairly. 
Account XXXX XXXX XXXX XXXX  - Account Number : XXXX, Opened XX/XX/XXXX, High Credit : {$1100.00} Issue : Inaccurate late payments reported. 
Law : 15 U.S.C. 1681e ( b ) mandates accuracy, and 1681i requires a reasonable reinvestigation upon dispute. 
Explanation : Despite my dispute, Experian continues to list late payments that are either erroneous or unverifiable. This misreporting unjustly lowers my credit score and causes financial harm. I demand these inaccurate late payments be corrected or removed immediately. 
Account : XXXX XXXX  XXXX - Account Number : XXXX, Opened XX/XX/XXXX, High Credit : {$540.00} Issue : Falsely reported as a collection account. 
Law : 15 U.S.C. 1681e ( b ) and 1681i require accurate reporting and reinvestigation of disputed items.

Explanation : This account was never delinquent or subject to collection ; thus, the collection status is false and damaging. Continued reporting of this incorrect collection information breaches my rights and impacts my ability to obtain credit. 
Account : XXXX XXXX XXXX - Account Numbers : XXXX ( XX/XX/XXXX, {$1300.00} ), XXXX ( XX/XX/XXXX, {$1000.00} ), XXXX ( XX/XX/XXXX, {$540.00} ) Issue : Wrongly reported collections. 
Law : Per FCRA 15 U.S.C. 1681e ( b ) and 1681i, accurate information and investigation upon dispute are required. 
Explanation : These accounts were either settled, not owed by me, or otherwise disputed but are still listed as collections without proper verification. This misreporting represents a failure by Experian to maintain the integrity of my credit file and has negatively influenced my credit standing. 
Account : XXXX  XXXX - Account Number : XXXX, Opened XX/XX/XXXX, High Credit : {$3900.00} Issue : Incorrect charge off status reported. 
Law : 15 U.S.C. 1681e ( b ) and 1681i require accurate reporting and correction of disputed information. 
Explanation : This account was paid/settled or never charged off as indicated, yet Experian reports it inaccurately. This misrepresentation is harmful and unlawful under FCRA provisions for accurate consumer information. 
Account : XXXX XXXX - Account Number : XXXX, Opened XX/XX/XXXX, High Credit : {$500.00} Issue : Inaccurate charge off reported. 
Law : FCRA sections 1681e ( b ) and 1681i require complete and accurate reporting and investigation of disputes. 
Explanation : The reported charge off status is incorrect as the account is disputed or resolved differently. Continuing to report this inaccurate negative information causes damage to my credit history unfairly. 
Account : XXXX XXXX XXXX  - Account Number : XXXX, Opened XX/XX/XXXX, High Credit : {$360.00} Issue : Wrongly reported charge off. 
Law : FCRA 15 U.S.C. 1681e ( b ) and 1681i. 
Explanation : Despite dispute and evidence of settlement, this account remains charged off on my report, which is inaccurate and unjust. This negatively impacts my credit rating and violates my rights to fair reporting. 
Account : XXXX XXXX XXXX  - Account Number : XXXX, Opened XX/XX/XXXX, High Credit : {$470.00} Issue : Falsely reported collection account. 
Law : 15 U.S.C. 1681e ( b ) and 1681i.

Explanation : This account was never due for collection or has been settled, yet Experian lists it inaccurately as a collection account. This is a direct violation of the FCRAs mandate for accurate reporting and reasonable reinvestigation of disputed items. 
Inquiries : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) Issue : Unauthorized or inaccurately reported hard inquiries. 
Law : Under 15 U.S.C. 1681b, any credit inquiry must have permissible purpose and proper authorization. 
Explanation : I did not authorize several of these inquiries or have not applied for credit with these entities. Reporting unauthorized inquiries violates my privacy rights and causes unnecessary damage to my credit score. Experians failure to verify authorization and notify me of these inquiries is a breach of the FCRA. 
In conclusion, Experian has repeatedly failed to maintain the accuracy and integrity of my credit report as required under federal law. The reporting of inaccurate late payments, charge-offs, collections, wrong addresses, and unauthorized inquiries violates 15 U.S.C. 1681e ( b ), 1681i, and 1681b. I demand immediate correction or deletion of all inaccurate, unverifiable, or unauthorized information. I expect Experian to conduct a full reinvestigation and provide me with an updated credit report reflecting these corrections. Failure to address these issues promptly will compel me to pursue further legal action to protect my rights. 
Thank you for your prompt attention to this serious matter. I await your response and confirmation of the corrections made.

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