Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
See Attached and the following : On XX/XX/XXXX, I exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and submitted a dispute directly to Experian to challenge a series of critical violations. To date, Experian has failed to correct or remove multiple inaccurate, misleading, and legally non-compliant entries on my consumer report. Below is a detailed breakdown of each violation : 1. Inaccurate Personal Information Mixed File / Unverified Addresses Experian is reporting two former addresses XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, OH XXXX that I have never lived at, applied from, or authorized to be associated with my file. I suspect this is due to a file merge/mixed file error, a known systemic problem in credit reporting. 
These addresses misrepresent my residency history and may trigger mismatched data linkages or increased fraud risk. This is a clear violation of FCRA 607 ( b ), which mandates Experian to ensure the data in a consumers file is maintained with maximum possible accuracy. Retaining these addresses after a direct dispute demonstrates negligence and non-compliance. 



2. Unauthorized Hard Inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) My Experian report lists a hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXXXXXX  an application I never submitted. I did not authorize or initiate any credit application with this company. 

Under FCRA 604 ( a ) ( 3 ), Experian must ensure that every hard inquiry on a consumer report is backed by a permissible purpose. To date, Experian has failed to provide any documentation proving my written consent or permissible use, violating 609 ( a ) ( 1 ), which requires CRAs to disclose the source of information when challenged.

XXXX. XXXX  XXXX Account # : XXXX Account shows Closed with status Paid satisfactorily as of XX/XX/XXXX. 

Balance : {$0.00} | Monthly Payment : {$0.00} Payment history : All months marked OK.

Issue : Experian continues to report this tradeline as Closed with ambiguous language, despite the fact that the account has no remaining balance, no active payments, and is no longer open. According to Metro 2 compliance, paid/closed installment loans with {$0.00} balance and no delinquency must either be updated to indicate Paid in Full or removed from the report after a specific retention period. Experian 's failure to update the status or purge the account creates unwarranted negative weight on my report. 

Further, FCRA 1681e ( b ) requires Experian to maintain maximum accuracy and this vagueness violates that standard. No method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) has been provided. I demand deletion or proper reinvestigation. 

4. XXXX XXXX Account # : XXXX Reported 30 Days Late in XX/XX/XXXX, yet payment status shows : Current, was past due 30 days. 

Date of Last Activity : XX/XX/XXXXXXXX  Date of Last Payment : XX/XX/XXXXXXXX  Dispute resolved by data furnisher no details provided. 

Issue : The timeline is factually impossible. It is not credible to list activity in XXXX yet a payment in XXXX. That contradicts chronological order and violates FCRA 1681e ( b ). The ambiguous language of Current, was past due 30 days conflicts with the OK payment trend and is misleading to underwriters and credit scoring models. 

Experian has failed to provide documentation showing how the 30-day late was validated or why it remains despite multiple subsequent OK payments. No proper XXXX XXXX dispute resolution code has been applied. This tradeline must be deleted or fully corrected with legally verified data. 

XXXX. XXXXXXXX XXXX Account # : XXXX XXXX late reported for XX/XX/XXXX XXXX late reported for XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXXXXXX  Issue : This timeline defies logic. A payment made on XX/XX/XXXX can not coexist with a 60-day delinquency for XXXX. It also contradicts the Date of Last Activity falling after the payment another chronological inconsistency in violation of FCRA 1681e ( b ). 

Moreover, the dispute resolved comment remains generic, with no documented method of reinvestigation under 1681i. The account is being reported in a way thats both factually and procedurally non-compliant with FCRA and XXXX XXXX. The delinquency can not be validated and must be removed. 

XXXX. XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Reported as Closed with {$0.00} Balance. 

30-day late reported in XX/XX/XXXX. 

Date of Last Payment : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXXXXXX  Issue : How can a 30-day late exist in the same month the account was paid and closed? Under XXXX XXXX, a Closed Paid status can not coexist with a derogatory payment history for the same time frame unless there is supporting data which Experian has failed to provide. 

Adding to this, Equifax reports this account as OPEN with a balance, which is a direct furnisher conflict. Per 1681i, Experian must correct or remove conflicting data or provide a full method of verification which they have not done. 

XXXX. XXXX XXXX XXXX. Account # : XXXX Reported as Open with {$0.00} balance No Credit Limit, High Credit, or Monthly Payment provided Term shows 1 Month despite payments from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : This tradeline is incomplete and misleading. It omits vital XXXX XXXX fields that determine utilization ratios and creditworthiness ( credit limit, high credit, monthly payment ). Additionally, labeling this as a 1 Month account is factually inaccurate over 18 months of reported payment history exists. 

By reporting this account as Open while failing to show any activity or relevant data fields, Experian is misrepresenting my file and violating FCRA 1681e ( b ) and XXXX XXXX data field integrity standards. No verification has been provided under 1681i ( a ) ( 6 ) ( B ) ( iii ). I demand removal or full, accurate population of all data fields.

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