Consumer complaint received 2025-09-09 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 against Experian because my credit file contains multiple false, inaccurate, and unverifiable items that violate my rights under the Fair Credit Reporting Act. These errors have severely harmed my creditworthiness, lowered my score, and created an unfair and misleading profile that continues to affect my access to housing, credit, and financial opportunities. Despite my disputes, Experian has failed to properly reinvestigate or remove these accounts and inquiries. 

My file has been linked to an address at XXXX XXXX XXXX XXXX, FL XXXX which has no connection to me. Associating me with a false address is inaccurate, misleading, and unlawful. 

Experian is also reporting numerous accounts that are either unverifiable, inaccurate, or completely invalid. XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$920.00} is showing late payments that are not supported by any verifiable documentation. XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$3000.00} is reported as a collection account, yet I have never received proof of ownership or validation for this debt. XXXX XXXX account number XXXX * * opened XX/XX/XXXX with a balance of {$100.00} is also listed as a collection without verification. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$680.00} is being reported as a collection without substantiation. I C SYSTEM account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$990.00} has been reported as a collection without validation. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$870.00} remains on my file without proof. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$570.00} is also being reported in violation of the accuracy standards. 

Further, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$880.00} and XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1500.00} are both listed as collections. These duplicate-style entries misrepresent my credit and artificially inflate derogatory information against me. XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} is still being reported with late payments, which is factually impossible and highly misleading. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXned XX/XX/XXXX with a balance of {$1900.00} is reported as a charge-off with no supporting validation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1600.00} is reported as a charge-off without proof. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1000.00} is listed as a charge-off and XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$190.00} is also listed as a charge-off, both of which are unverifiable. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$76.00} is being reported with late payments that are false and inaccurate. 

On top of these accounts, Experian has allowed multiple unauthorized hard inquiries to remain on my credit file even though they were made without my knowledge, consent, or permissible purpose. These include XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Each of these inquiries violates the permissible purpose requirement under the FCRA and represents unlawful access to my personal credit report. 

The overall picture demonstrates a serious failure by Experian to comply with federal law. Instead of maintaining maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), Experian has allowed false addresses, unverifiable collections, improper late payments, inaccurate charge-offs, and unauthorized inquiries to remain on my credit file. These actions have caused me financial harm and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter fully and hold Experian accountable for their repeated violations of my consumer rights.

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