Consumer complaint received 2025-06-29 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: OK

Complaint narrative:
I am submitting this complaint regarding the inaccurate and unfair reporting on my Experian credit report associated with my address at XXXX XXXX XXXX XXXX XXXX, KY XXXX. Experian has failed to maintain accurate and complete information as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Below are the specific accounts and reporting issues, along with applicable laws and explanations of how these violations have harmed me. 
XXXX. Account : XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : Late Payment Reported Law Referenced : Under FCRA Section 1681i ( a ), Experian must conduct a reasonable reinvestigation of disputed information and correct or delete any inaccurate or unverifiable information. Late payments must be reported only if accurate and verifiable according to 15 U.S.C. 1681s-2 ( a ). 
Story : I dispute the late payment reported on this account as inaccurate. I have consistently made my payments on time, and the reported late payment is not supported by the account statements I have provided. Experians failure to properly verify this information before reporting has caused me undue damage to my credit score and has hindered my ability to obtain credit under fair terms. This misreporting violates my rights under the FCRA and is causing me financial harm. 
XXXX. Account : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Referenced : Under FCRA Section 1681b ( f ), a consumer reporting agency may not include a hard inquiry on a consumer report without the consumers consent or a permissible purpose. 
Story : This inquiry was made without my knowledge or consent. Experians inclusion of this inquiry without proper authorization constitutes a violation of my privacy and the FCRA. Unauthorized inquiries can negatively impact my credit score and misrepresent my credit-seeking behavior, causing harm to my credit reputation. 
XXXX. Account : XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Referenced: Same as above, FCRA Section 1681b ( f ). 
Story : Similar to the above, this inquiry was not authorized by me. Experians reporting of this inquiry without my permission violates FCRA requirements and results in inaccurate representation of my credit activity, thereby unfairly damaging my creditworthiness. 
XXXX. Account : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Referenced : FCRA Section 1681b ( f ).

Story : This inquiry was also done without my authorization. Experians failure to ensure that inquiries have permissible purposes before reporting them is a clear breach of the FCRA. This has further damaged my credit profile unjustly. 
XXXX. Address Issue : XXXX XXXX XXXX XXXX XXXX, KY XXXX Issue : Wrong Address Reported Law Referenced : Under FCRA Section 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported, including personal identifying information such as address. 
Story : Experian continues to report this incorrect address that is not associated with me. This inaccurate information creates confusion among creditors, leading to delays and denials in credit applications. Experians negligence in verifying and updating my personal information breaches my rights under the FCRA and damages my financial reputation.

Summary : Experians failure to ensure the accuracy and legitimacy of the information it reports, including late payments, unauthorized hard inquiries, and incorrect personal data, violates multiple provisions of the Fair Credit Reporting Act. These inaccuracies have caused me significant financial harm, including unjust credit score reduction and difficulty obtaining credit. I demand a thorough reinvestigation of all disputed items, correction or removal of all inaccurate information, and confirmation of compliance with the FCRA to prevent further violations.

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