Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. Theres an account reporting ( XXXX, Account XXXX : XXXX ) that I never authorized. I didnt open it, I didnt give permission for it to appear on my file, and I definitely didnt consent to have it reported to any credit bureau. 

At no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. Its presence there has been causing ongoing harm to my financial stability and reputation. 

I also noticed hard inquiries related to this account that I never approved. These inquiries are unauthorized and directly violate my rights under the Fair Credit Reporting Act ( FCRA ). To document this, I filed a Police Report ( XXXX XXXX. XXXX ) confirming that this activity is fraudulent. 

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Experian is doing violates multiple sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumers credit information may only be accessed or reported for a lawful permissible purpose. The inclusion of this account and the related hard inquiries without my documented consent constitutes a direct violation. Experian has no permissible purpose for maintaining or disclosing this information and is unlawfully using my non-public personal data.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer provides valid documentation of identity theft, such as a police report, the credit bureau must block the disputed information within four ( 4 ) business days. I submitted my valid report ( XXXX ), yet Experian failed to block and delete this fraudulent account, violating this federal requirement and prolonging the damage.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : This section requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of information. Reporting an unauthorized account and inquiries that can not be substantiated with documentary proof directly violates this standard. There is no signed agreement, no verifiable authorization, and no lawful justification.

FCRA Section 611 ( 15 U.S.C. 1681i ) Failure to Conduct Reasonable Reinvestigation : When a bureau receives a dispute, it must reasonably investigate and delete any information it can not verify with actual documentation. If Experian can not provide written proof that I authorized this account, the law requires its immediate deletion. Any continued reporting without verifiable evidence constitutes a violation of this section.

Metro 2 Compliance : According to CDIA Metro 2 reporting standards, information reported to credit bureaus must be accurate, complete, consistent, and current. The disputed data fails all these criteria because : It is inaccurate ( I never authorized it ). 

The associated inquiries have no valid permissible purpose. 

There is no documentation supporting the inclusion of this account.

Under both FCRA and Metro 2, this information must be permanently removed.

Reinsertion Warning FCRA Section 611 ( a ) ( 5 ) ( B ) : If Experian deletes this account and later attempts to reinsert it, the following legal requirements must be met : The furnisher ( XXXX  ) must provide written certification verifying the information is accurate and legitimate.

Experian must notify me in writing within five ( XXXX ) business days of any reinsertion. 

There must be documentary proof showing I authorized this account.

Any reinsertion without full compliance with these steps constitutes a willful violation under 15 U.S.C. 1681n, exposing Experian to statutory damages.

PERSONAL IMPACT : This isnt just a clerical errorits a real financial and emotional burden.

Because of this unauthorized account : I was denied a mortgage, and the loan officer specifically cited this account as a factor.

I obtained a vehicle loan, but at an unreasonably high interest rate, costing me significantly more each month. 

I was denied a credit card that I legitimately applied for, and every new application adds another hard inquirydeepening the negative impact. 

Ive spent countless hours trying to resolve something I never causedmaking calls, gathering documentation, filing disputes, and writing letterstime that could have been spent productively.

This account has lowered my credit score, disrupted my financial plans, and caused ongoing stress, frustration, and anxiety. My reputation as a borrower is being unfairly damaged by information that is clearly unauthorized and inaccurate.

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