Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions , Inc. for its continuous and unlawful reporting of inaccurate, unverifiable, and unauthorized information on my credit file in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my right to accurate and verifiable reporting under FCRA 602, 607 ( b ), and 611, Experian has failed to maintain reasonable procedures to ensure maximum possible accuracy and has reported multiple false, duplicate, and unauthorized accounts and inquiries. 

Upon reviewing my Experian credit report, I discovered several accounts that are completely inaccurate, unverifiable, or reported without any lawful basis. The following entries have been damaging my creditworthiness and causing significant harm to my financial reputation. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$6600.00}, has been falsely reported as a collection account. I have no knowledge or contractual relationship with this creditor, and Experian has not provided any verification or documentation to support its legitimacy. Another entry, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported twice once showing a balance of {$1600.00} as a late payment and again showing a {$0.00} balance with the same late payment status. These duplicate and inaccurate reports misrepresent my payment history and are clear violations of FCRA 607 ( b ). 

Additionally, Experian is reporting another entry, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}, and listed as having a late payment. I have never been late on any obligation with this entity, and Experian has failed to verify this data with any original source. The continued reporting of these false late payments is unlawful. 

Experian has also reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00}, and marked as late. This account appears twice on my report with the same account number, both showing late payments that never occurred. This duplicate and inaccurate reporting constitutes negligent and willful violations of FCRA 607 ( b ) and 611 ( a ) ( 1 ). Furthermore, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$430.00}, has been listed as a collection account even though I have no knowledge of any such debt. Experian has not provided any supporting documentation to validate its accuracy. This reporting is completely unverified and unlawful. 

In addition to these false accounts, Experian is allowing numerous unauthorized inquiries to remain on my credit file, which were never initiated or approved by me. These inquiries include, but are not limited to, XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX XXXX  ( XX/XX/XXXX ). None of these inquiries were authorized or initiated by me. These unauthorized accesses to my credit file are clear violations of FCRA 604 ( a ) ( 3 ), which requires a permissible purpose before a consumer report can be obtained. 

Despite my previous written disputes submitted to Experian under FCRA 611 ( a ), the agency has failed to properly reinvestigate or provide verification from original creditors. Instead, it continues to report these false, duplicated, and unverified items, demonstrating a reckless disregard for its legal obligations. Experians actions have resulted in direct harm to my credit standing, denial of financial opportunities, and unnecessary emotional and financial distress. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian for its repeated violations of the Fair Credit Reporting Act and require the following corrective actions : that Experian conduct a lawful and complete reinvestigation of all disputed items ; that all unverifiable and unauthorized accounts and inquiries be permanently deleted ; that Experian provide full documentation and written verification for any data it intends to maintain ; and that an updated copy of my corrected credit report be issued to me without delay. 

As a consumer, I have made every reasonable effort to resolve this matter directly with Experian. However, the agencys failure to comply with federal law leaves me no choice but to seek the Bureaus intervention. The inaccurate, duplicate, and unauthorized information appearing on my report is not only damaging but also constitutes a willful and negligent violation of federal consumer protection laws. 

I respectfully request the Bureaus full and fair review of this complaint and a resolution requiring Experian to correct, verify, or delete all disputed information in accordance with the Fair Credit Reporting Act.

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