Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is reporting multiple inaccurate and unverifiable items on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), despite my formal disputes. These errors are causing direct financial harm and undermining the accuracy of my credit history.

1. Unverifiable Tradeline ID Central Credit Union ( Charge-Off ) Experian is reporting an alleged charge-off account with ID Central Credit Union, but has provided no original contract, signed agreement, or consumer authorization. Under FCRA 1681b, no permissible purpose exists for Experian to continue reporting unverifiable debt. Reporting such an account also violates FCRA 1681e ( b ), which requires maximum possible accuracy. FTC staff opinion letters confirm that debts lacking proper documentation must not be reported, yet Experian continues to display this account.

2. Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries. They are unrelated to any valid credit transaction and lack a permissible purpose under FCRA 1681b. These qualify as fraudulent/unauthorized inquiries under FCRA 1681c-2 . Experian has failed to provide written proof of my consent or documentation establishing a permissible purpose. 

3. Inaccurate Late Payments ID XXXX XXXX XXXX XXXX Experian is also reporting multiple late payment entries on ID XXXX XXXX XXXX accounts that are inaccurate and unverifiable : Account # XXXX XXXX, XXXX, XX/XX/XXXX Account # XXXX XXXX, XXXX, XX/XX/XXXX Account # XXXX XXXX, XX/XX/XXXX These late payments were reported during grace periods without timestamped proof of delinquency. Under TILA 1666c, billing practices must allow for grace periods before delinquency, and under FCRA 1681e ( b ), credit data must be fair, accurate, and complete. Without billing statements, payment logs, and proof of notice, these late payments are unverifiable and misleading. 

Even if technically accurate, they are materially misleading because they fail to include the full context of grace periods and posting practices, which courts have recognized as violating the FCRA. 

4. Broader Compliance Concerns Experian continues to rely on automated systems like e-OSCAR instead of performing a reasonable reinvestigation by a live compliance agent, contrary to Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ). 

Experian is maintaining outdated personal information ( old addresses, alternate names, unverifiable employment ), in violation of privacy protections under FCRA 1681a ( 4 ). 

Experian has not suppressed promotional inquiries or removed non-account-holding inquiries older than 30 days, despite my request. 

These failures are especially concerning in light of the XXXX  data breach, which compromised my PII and increases the risk of inaccurate and unauthorized reporting.

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