Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions , Inc. for willfully and negligently reporting inaccurate personal identifying information, derogatory account data, and unauthorized hard inquiries in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Consumer Financial Protection Act.

Despite prior disputes and notices, Experian continues to report several incorrect items, negatively affecting my creditworthiness and financial wellbeing. These errors not only violate my consumer rights but also fail Experians duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and to properly reinvestigate disputes under 15 U.S.C. 1681i ( a ). 
Inaccurate Personal Information XXXX XXXX XXXX XXXX, LA XXXX This address is incorrect and should never have been associated with my identity. I have no connection to this address. 
XXXX Violated : 15 U.S. Code 1681e ( b ) Failure to maintain accurate information Derogatory Accounts Reported with Inaccuracy or Error XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Date Opened : XX/XX/XXXX o Reporting a late payment that I never made. No validation provided. 
XXXX Violated : 15 U.S. 1681i ( a ) ; 15 U.S. 1681e ( b ) 2. XXXX BANK Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * o High Balance : {$470.00} Date Opened : XX/XX/XXXX o Late payment reported inaccurately, impacting my XXXX XXXX. 
XXXX Violated : 15 U.S.C. 1681s-2 ( b ), 1681e ( b ) 3. XXXX XXXX XXXX Account # : XXXX Collection o High Balance : {$250.00} Date Opened : XX/XX/XXXX o Debt is not mine ; no validation received upon dispute. 
XXXX Violated : 15 U.S. 1681i ( a ) ; FDCPA 809 ( b ) [ 15 U.S.C. 1692g ] 4XXXX CREDIT XXXX XXXX Account # : XXXX Collection o High Balance : {$620.00} Date Opened : XX/XX/XXXX o Collection listed without notice or consent ; possibly fraudulent. 
XXXX Violated : 15 U.S. 1681e ( b ) ; 15 U.S. 1681i ( a ) 5. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/XXXX o Never authorized nor validated. No relation to this account. 
XXXX Violated : 15 U.S.C. 1681b ; 1681e ( b ) ; 1681i 6. XXXX XXXX XXXX XXXX Account # : XXXX * * Late Payment * * o High Balance : {$2100.00} Date Opened : XX/XX/XXXX o Incorrect late payment history reported. Account was current. 
XXXX Violated : 15 U.S.C. 1681e ( b ), 1681s-2 ( b ) 7. XXXX XXXX XXXX Account # : XXXX * Charge Off * * o High Balance : {$50.00} Date Opened : XX/XX/XXXX o Account charged off without proper notice. Account not mine. 
XXXX Violated : 15 U.S.C. 1681e ( b ) ; 15 U.S.C. 1681i ( a ) 8. XXXX XXXX BANK Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00} Date Opened : XX/XX/XXXX o Late payment reported without documentation or verification. 
XXXX Violated : 15 U.S.C. 1681i ( a ) ; 1681e ( b ) 9. XXXX XXXX BANK Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} Date Opened : XX/XX/XXXX o Inaccurate reporting of late payment affecting my credit profile. 
XXXX Violated : 15 U.S.C. 1681s-2 ( b ) 10. XXXX  XXXX Multiple Accounts with Late Payments XXXX XXXX XXXX XXXX  {$300.00} Opened : XX/XX/XXXX o XXXX {$500.00} Opened : XX/XX/XXXX o XXXX {$440.00} Opened : XX/XX/XXXX o XXXX {$430.00} Opened : XX/XX/XXXX o XXXX {$250.00} Opened : XX/XX/XXXX o None of these accounts were validated. Repeated late payment claims without substantiation. 
XXXX Violated : 15 U.S. 1681i ( a ) ; 1681s-2 ( a ) ; 1681e ( b ) Unauthorized/Inaccurate Hard Inquiries These inquiries are harming my credit and were made without permissible purpose, as defined by 15 U.S.C. 1681b. 
ONEMAIN Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize any of these inquiries. These entities had no permissible purpose to access my credit file. 
XXXX Violated : 15 U.S.C. 1681b ( f ) ; 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance XXXX XXXX I respectfully request the CFPB to : 1. Investigate Experian 's failure to maintain accurate and verifiable credit reporting.

2. Require deletion or correction of the above-mentioned inaccurate and unverifiable entries.

3. Prevent Experian from continuing to report the invalid address listed.

4. Ensure removal of all unauthorized hard inquiries.

5. Impose civil penalties and appropriate enforcement actions for FCRA violations.

Supporting Evidence Available Upon Request. 
I am prepared to submit supporting documents, including past dispute letters, correspondence, and ID/address proofs. 
Thank you for your attention to this matter and for protecting consumers from credit reporting abuse.

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