Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I am filing this complaint because Experian has repeatedly failed to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information on my credit file. I previously submitted a formal dispute and provided clear evidence that several items on my report were incorrect, yet Experian has not removed or properly verified them. Instead of conducting a meaningful reinvestigation as required under FCRA 611 ( a ), Experian allowed these harmful and misleading entries to remain, which is a direct violation of my rights as a consumer.

Two addresses currently appearing on my report are completely false and have no connection to me. The addresses at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  and XXXX XXXX XXXX, XXXXXXXX XXXX are not linked to any residence I have ever lived at or any accounts I have ever held. By continuing to publish this incorrect identifying information, Experian is violating FCRA 607 ( b ), which requires them to follow reasonable procedures to ensure maximum possible accuracy. The inclusion of false addresses on my file increases the risk of identity confusion and further proves that Experians verification processes are insufficient. 

In addition to the false addresses, Experian is reporting several late payments on accounts that I have disputed. For example, the entries on my XXXX, XXXX, and XXXX XXXX XXXXXXXX accounts show late payments that are not backed by any legitimate documentation. I have never been provided with original records proving these delinquencies, yet Experian continues to report them as fact. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Experians decision to retain these unverifiable marks demonstrates a failure to comply with both 611 ( a ) and 607 ( b ).

Furthermore, there are accounts being reported as charge-offs and collections that have not been validated in any way. The XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX entries all reflect highly damaging derogatory statuses without Experian providing a shred of supporting documentation. I have never received verification letters or source documents proving these debts or their claimed statuses. This refusal to properly investigate or validate these serious claims is a clear violation of FCRA 611 ( a ), which requires deletion of any item that can not be fully verified. 

Experian has also allowed several unauthorized hard inquiries to remain on my file, including credit pulls from XXXX XXXX and XXXX. These inquiries were not authorized by me, nor was there a permissible purpose for them under FCRA 604 ( a ). Keeping these inquiries on my report further harms my credit profile and shows a lack of compliance with federal law. 

These inaccuracies have caused me significant harm by damaging my creditworthiness, leading to unfair denials and financial setbacks. Experian has shown a disregard for the accuracy of its reporting and for my rights under federal law. I have given Experian an opportunity to correct these errors, but instead of conducting a thorough reinvestigation, they allowed unverifiable and harmful information to remain. This negligence not only violates my rights under the FCRA but also undermines trust in the credit reporting system. 

I am requesting that Experian immediately remove all unverifiable accounts, late payment notations, unauthorized inquiries, and incorrect addresses from my credit report. I also request documentation from the original furnishers proving the validity of these entries. If Experian can not produce this documentation, these items must be permanently deleted as required by law. Additionally, I am asking the CFPB to investigate Experians reinvestigation procedures, as this experience demonstrates that they are failing to comply with FCRA requirements to ensure accuracy and fairness in consumer reporting.

I am filing this complaint because I believe Experians actions are a serious violation of federal law. I am seeking CFPB intervention to hold Experian accountable and to ensure that my credit report is corrected and maintained with the maximum possible accuracy guaranteed to me under the FCRA.

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