Consumer complaint received 2025-08-30 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 pieces of false, inaccurate, and unverified information on my credit file, and despite my efforts to dispute these errors, Experian has failed to correct them. These inaccuracies are severely damaging my creditworthiness, creating confusion about my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ).

First, Experian continues to associate me with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This address does not belong to me and has no connection to me. Reporting an incorrect address on my credit file creates serious risks, including identity confusion and fraud, and violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy of consumer records.

There are multiple accounts being reported as charge-offs or collections that I do not recognize, and Experian has never provided verification for these entries. These include XXXX, account number ending in XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$2700.00} ; XXXX XXXX , account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$13000.00} ; XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$6800.00} ; XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$2600.00} ; and XXXX, account number ending in XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$270.00}. These accounts are either reported as charge-offs or in collection status, but I have no knowledge of them, and Experian has not provided any documentation proving their accuracy.

Additionally, there are accounts being reported inaccurately with late payments despite showing no balance due.
One example is XXXX XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, which is being reported with late payments despite a {$0.00} balance. This is misleading, harmful, and violates Experians obligations under FCRA to ensure accuracy and completeness of consumer reports.

Experian is also reporting several unauthorized inquiries that I never approved. These include XXXXXXXX XXXX, inquiry dated XX/XX/XXXX ; XXXX XXXX XXXX, inquiry dated XX/XX/XXXX ; XXXX XXXX, inquiry XXXX XX/XX/XXXX ; and XXXX XXXX XXXX, inquiry dated XX/XX/XXXX. These inquiries were not initiated or authorized by me, and their continued presence on my report is damaging and unlawful.

I have disputed these accounts, inquiries, and the false address multiple times with Experian, but they have either verified the information without proof or failed to respond properly, in direct violation of FCRA 1681i, which requires a reasonable reinvestigation. The repeated reporting of inaccurate information, failure to verify disputed accounts, and refusal to correct errors demonstrate a clear pattern of negligence and disregard for my rights as a consumer.

These errors have had a serious negative impact on my life. I have been denied fair credit opportunities, subjected to higher interest rates, and left feeling vulnerable to further identity-related problems. Experians failure to maintain accurate records and respond appropriately to disputes is causing me unnecessary emotional and financial stress.

I am asking the Consumer Financial Protection Bureau to investigate Experians handling of my credit file and require them to immediately delete the false address, all unverified accounts, and all unauthorized inquiries. Experian should also be required to provide written confirmation that my credit file has been corrected and ensure future compliance with FCRA and Metro 2 reporting standards.

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