Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
b"To Whom It May Concern \nI am filing this formal complaint against Experian for gross negligence, willful non-compliance with the Fair Credit Reporting Act (FCRA), and failure to maintain accurate, complete, and verifiable information in my consumer report which has caused me financial and emotional harm the following items listed on my Experian credit report are inaccurate and misleading and despite previous disputes and requests for verification, they have remained uncorrected in direct violation of my rights as a consumer under federal law\nXXXX XXXX XXXX XXXX XXXX, MI XXXX  Wrong Address  This address has never been associated with me in any legal, residential, or financial capacity and its inclusion on my report is a violation of XXXX XXXX XXXX XXXX) which requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates\nXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX  Wrong Address  This address is not and has never been my residence its reporting is unauthorized and materially inaccurate constituting a breach of XXXX XXXX XXXX XXXX for failure to reinvestigate and remove erroneous data after being notified\nXXXX Account Number: XXXX  Date Opened: XXXX Balance: XXXX  Late Payment  This account is reporting derogatory late payment status that is inaccurate and unverifiable under XXXX XXXX XXXX XXXX) the creditor has failed to provide sufficient verification when disputed and Experian has not fulfilled its duty to delete or correct the entry following failure of verification this has negatively impacted my creditworthiness and access to financial services\nXXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX  Balance: XXXX   Late Payment  The account reports a late payment despite a XXXX balance which indicates that no debt is owed or should have been marked delinquent reporting a delinquency in this scenario violates FCRA XXXX XXXX XXXX XXXX) and constitutes willful inaccuracy and defamation of character\nXXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX Balance: XXXX  Late Payment  Experian is inaccurately reporting this account as delinquent with no valid balance owed the late payment remark is unsupported by facts and violates the FCRA and the Consumer Financial Protection Bureaus guidance on accuracy and integrity of data furnishers under XXXX XXXX XXXX XXXX Appendix E\nXXXX XXXX XXXX  Account Number: XXXX Date Opened: XXXX Balance: XXXX  Chargeoff  This chargeoff is unlawfully reported and unverifiable the creditor has failed to validate this debt upon request and Experian continued to report this entry despite its lack of substantiation which is a direct violation of XXXX XXXX XXXX XXXX and  XXXX  this unlawful negative reporting has caused significant reputational and financial damage\nXXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  I did not authorize this hard inquiry nor did I initiate any credit application with this entity this inquiry was made without permissible purpose under XXXX XXXXXXXX and should be immediately removed failure to do so is non-compliance by Experian to ensure inquiries are only reported with the consumers consent\nXXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  This inquiry was not initiated or authorized by me its reporting constitutes a willful violation of XXXX XXXX which requires that hard inquiries only occur with permissible purpose and my explicit initiation\nXXXX XXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  I did not apply for credit with this company and this entry is fraudulent and harmful to my credit score Experian failed to verify the permissible purpose under XXXX XXXX and is thereby liable for the resulting harm\nXXXX XXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  This inquiry was not authorized by me and its inclusion constitutes a violation of my rights under XXXX XXXX Experian failed to vet the legitimacy of this inquiry prior to including it in my report\nxXXXX XXXX XXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  No credit was applied for by me with this entity and the inquiry was not authorized this is yet another failure of Experian to maintain data integrity under XXXX XXXX XXXX XXXXXXXX\nXXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  I did not grant authorization for this hard inquiry to be placed on my file it has no permissible basis and Experian is in violation of its duty to ensure only valid inquiries are posted under XXXX XXXX\nXXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  This inquiry was added without my knowledge or consent which constitutes a breach of XXXX XXXX Experian is required to confirm authorization and failed to do so\nXXXX XXXX Inquiry Date: XXXX  Duplicate Unauthorized Inquiry  This is a repeat violation with the same creditor which makes the harm cumulative and shows a pattern of negligence and systemic failure to protect consumer data in accordance with federal law\nXXXX XXXX XXXX XXXX Inquiry Date: XXXX   Unauthorized Inquiry  I never initiated any credit request with XXXX or XXXX XXXX during this period this unauthorized inquiry is damaging and was not made with a legitimate purpose per XXXX XXXX\nXXXXXXXX XXXX  Inquiry Date: XXXX  Duplicate Unauthorized Inquiry  This repeated inquiry indicates predatory access to my report without consent and Experian failed to safeguard my report against repeated unauthorized access in violation of XXXX XXXX\nXXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  I have no financial relationship or credit application with this company and this inquiry is invalid and unauthorized under XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX Inquiry Date: XXXX   Duplicate Unauthorized Inquiry  Repetition of unauthorized access by the same entity demonstrates failure by Experian to implement reasonable safeguards as required by XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX Inquiry Date: XXXX  Unauthorized Inquiry  This inquiry was not consented to and was not based on any credit transaction initiated by me its presence is another instance of Experian's failure to ensure accuracy and compliance under FCRA\nExperian has failed to carry out its obligations under the Fair Credit Reporting Act particularly XXXX XXXX XXXX XXXX (reasonable procedures to assure maximum possible accuracy)  XXXX (reinvestigation of disputed information) and XXXX (limitations on access to consumer reports) I am demanding that all the above-listed inaccuracies be fully investigated with supporting documentation provided by the furnishers of the data and that all unverifiable or incorrect items be permanently deleted from my consumer report if Experian cannot verify and correct this information within the legally mandated timeframe I will seek all available legal remedies including pursuing damages under XXXX XXXX XXXX XXXX and XXXX for willful and negligent noncompliance\nI request that the Consumer Financial Protection Bureau hold Experian accountable for these continued violations and compel them to permanently delete all incorrect addresses inaccurate derogatory accounts and unauthorized inquiries that are harming my credit report and my ability to live a normal financial life"

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