Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains two accounts ( XXXX, XXXX ) and ( XXXX XXXX XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing these accounts or any related inquiries to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer furnishes valid supporting documentation, such as a police report identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report ( Case No. CSP007981 ) that clearly identifies the disputed accounts. Despite this, Experian continues to report these items and related inquiries, causing ongoing harm and violating this federal requirement.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. 
Experian has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnishers ( XXXX and XXXX XXXX  XXXX ) demonstrates that this standard has not been met. Continuing to report data that lacks proof of authorization directly violates the maximum possible accuracy requirement under federal law. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation duty.

Upon dispute, a credit reporting agency must conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. Experian has failed to comply with this obligation by maintaining these unauthorized accounts in my file despite my official dispute and supporting documentation. 

FCRA Section 1681a ( 4 ) Protection of non-public personal information.

Consumers have a right to protection of their non-public personal information. Maintaining unauthorized accounts or inquiries in my file without my consent constitutes an improper intrusion that exposes my private financial data and reputation to unwarranted harm. 

METRO 2 NON-COMPLIANCE : Under CDIA/Metro 2 guidelines, all furnished data must be complete, accurate, consistent, and current.

In this case : The identified accounts ( OPORTUNPROG and BK OF AMER ) are unauthorized and inaccurate, failing the Metro 2 data integrity and accuracy standards. 

Any associated inquiries lack a valid permissible purpose, violating required Metro 2 data fields.

The absence of verifiable supporting documentation from furnishers directly breaches Metro 2 Data Integrity obligations.

Therefore, these items are inherently inaccurate under both the FCRA and Metro 2, reinforcing my right to immediate and permanent deletion.

REINSERTION REQUIREMENTS FCRA 611 ( a ) ( 5 ) ( B ) : If there is any attempt to reinsert previously deleted information, strict compliance with federal law is required : Written certification from the furnisher verifying the accuracy and legitimacy of the item. 

Written notice to me within five ( 5 ) business days, including the supporting documentation received.

Objective documentary evidence substantiating authorization and legitimacy.

Phone calls, generic system verifications, or good-faith confirmations are not sufficient. Any reinsertion without full compliance will be treated as a willful violation, subject to statutory and compensatory damages, as well as attorneys fees, under 15 U.S.C. 1681n. 

PERSONAL IMPACT : These unauthorized items are not a clerical oversight. They have : Lowered my credit score. 

Caused denials of legitimate applications for credit. 

Increased my financing costs and interest rates. 

Generated improper inquiries that further damage my credit profile. 

Resulted in loss of time, financial stress, and emotional distress as I work to correct information that should never have been reported. 

This inaccurate reporting has had a measurable and negative effect on my creditworthiness, my ability to obtain fair credit, and my overall financial stability.

Company response to consumer: Closed with explanation