Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am filing this complaint because Experian has willfully violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information, unverifiable derogatory accounts, and unauthorized hard inquiries on my credit report. Despite initiating disputes, Experian has failed to correct these errors or provide proper verification within the legally required timeframe. 

These inaccuracies have severely damaged my creditworthiness, interfered with my ability to secure financing, and caused me emotional and financial distress. I am requesting the CFPB to take immediate enforcement action against Experian for the following violations : 1. Inaccurate Addresses ( FCRA 602 ( a ), 607 ( b ) ) Experian is reporting addresses that have no connection to me, which misrepresents my identity and violates their duty to report accurate identifying information : XXXX XXXX XXXX XXXX XXXX XXXX Never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX No association with this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is completely unfamiliar These errors raise major concerns about Experians failure to implement reasonable procedures to ensure accurate consumer file matching, as required by FCRA 607 ( b ).

2. Unverifiable Derogatory Accounts Experian continues to report the following derogatory accounts without providing proper verification or validation, as required under FCRA 609 ( a ) and 611 ( a ) : CAF 4464 Reports late payments without providing any billing records, account statements, or payment history to validate the delinquency XXXX XXXX Reports duplicate entries with inconsistent data, inflating my debt and creating confusion XXXX XXXX XXXX XXXXXXXX Reports late payments despite being paid in full with a {$0.00} balance, which is materially misleading XXXX XXXX XXXX XXXXXXXX Reports a charge-off without validation or contract documentation, violating FCRA 609 XXXX XXXX XXXXXXXX A closed, {$0.00} balance account still showing late payments years later XXXX XXXX XXXX XXXXXXXX Reports a charge-off with {$0.00} balance and without providing proof of debt ownership Experian has failed to produce any documentation to validate these accounts. Under FCRA 611 ( a ) ( 5 ), if an item can not be verified during reinvestigation, it must be deleted. 

3. Unauthorized Hard Inquiries ( FCRA 604 ( a ) ( 2 ), 604 ( f ) ) Experian allowed the following companies to access my credit report without my authorization, in violation of my rights : XXXX XXXX XXXX ( Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I never applied for credit with this company XXXX XXXX XX/XX/XXXX No permissible purpose ; no application made XXXX XXXX XXXX XXXX XX/XX/XXXX I never gave consent for this credit pull XXXX XXXXXX/XX/XXXX No application, no interaction with this company According to FCRA 604 , credit reporting agencies may only allow access to a consumers credit report with the consumers permission or a clearly defined permissible purpose. None of these inquiries meet that requirement.

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