Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
I am submitting this formal complaint against Experian for reporting inaccurate, unverifiable, and outdated information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have disputed the following items with Experian, but they have failed to properly investigate and correct them. These items are causing continued harm to my credit profile and financial health. 
XXXX XXXX XXXX XXXX  XXXX, MO XXXX Wrong Address This address is not associated with me in any way. I have never lived here, applied for credit from this location, or authorized any account tied to this address. Reporting this address violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum accuracy. It also increases the risk of identity theft and profile contamination. 
XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX Wrong Address This address is also inaccurate and not linked to my identity. Its presence on my report demonstrates Experian 's failure to maintain accurate personal identifying information in violation of FCRA 1681e ( b ), and their refusal to delete it despite disputes violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Wrong Address I have no personal, residential, or financial ties to this address. The continued presence of this address is misleading and creates a false impression of my residency. This is a violation of FCRA 1681e ( a ), which mandates reasonable procedures to assure information is accurate and relates to the correct consumer. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$370.00} This account is reporting a late payment that I dispute as inaccurate. I was not notified properly, and no documentation or validation of the delinquency has been provided. Experian has failed to properly investigate this dispute in violation of FCRA 1681i ( a ) and failed to ensure the accuracy of information under 1681e ( b ). The furnisher has also not met its obligations under 1681s-2 ( b ). 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$35000.00} This account is inaccurately reporting a late payment. I requested verification and documentation, but Experian failed to conduct a proper reinvestigation and continues to report unverifiable information. This violates FCRA 1681i for failing to conduct a reasonable dispute investigation and 1681e ( b ) for continuing to report inaccurate information. 
XXXX XXXX  Hard Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. No credit application was submitted by me to XXXX on or around this date. This inquiry violates FCRA 1681b ( c ) and 1681b ( f ), as there was no permissible purpose for obtaining my credit report. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This is another unauthorized inquiry. I have not applied for any product or service from XXXX at this time. This inquiry should be removed as it was obtained without permissible purpose, violating 1681b ( a ) ( 3 ) and 1681b ( f ). 
XXXX  Hard Inquiry Date : XX/XX/XXXX I did not apply for credit with XXXX  on or near this date. This unauthorized inquiry is a violation of FCRA 1681b, as Experian failed to confirm the legitimacy and permissible purpose of this access to my credit file. 
I have made good faith efforts to resolve these issues directly with Experian, but they have not corrected these serious inaccuracies. These continued violations have caused me harm including credit denials, emotional distress, and damage to my financial reputation. I respectfully request that the CFPB take immediate action and direct Experian to : delete all inaccurate addresses ; remove unauthorized and inaccurate hard inquiries ; correct or remove the disputed account information listed above ; and ensure full compliance 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