Consumer complaint received 2025-06-27 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: TN

Complaint narrative:
I am filing this formal complaint against Experian for continued reporting of inaccurate, misleading, and unverifiable information on my credit report. Despite my efforts to have these issues corrected, Experian has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), resulting in serious and ongoing harm to my credit profile and financial well-being. 

XXXX. Inaccurate Personal Information : XXXX XXXX XXXX XXXX, XXXX, TN XXXX This is not my current or previous address. It is an incorrect listing that I have never been associated with. Reporting inaccurate personal identifiers violates FCRA Section 602 ( a ) and 607 ( b ), which require credit bureaus to use reasonable procedures to ensure maximum possible accuracy. I am requesting the permanent removal of this address. 

XXXX. Inaccurate Late Payments and Charge-Offs : XXXX ( Account # : XXXX * * ) * * Experian is reporting a late payment for this account despite the fact that the balance is {$0.00} and the account has been closed. Continuing to report a late status for a {$0.00} balance account is both misleading and damaging. 

XXXX XXXX ( Account # : XXXX * * ) * * This account reflects a late payment without proper notice or validation. Experian has failed to provide sufficient documentation to verify the accuracy of this delinquency, which violates FCRA 611 ( a ). 

XXXX XXXX XXXX Account # : XXXX * * ) * * This account is listed as a charge-off with a {$0.00} balance. If the debt has been resolved, a charge-off should not be reflected. This contradictory reporting is deceptive and fails the FCRAs accuracy requirements. 

XXXX  XXXX ( Account # : XXXX * * ) * * This charge-off remains on my report without any recent activity, documentation, or validation from the furnisher. I requested proof of the debt, which was never provided. 

XXXX  XXXX ( Account # : XXXX * * ) * * This charge-off is both obsolete and unverifiable. It dates back to XXXX and exceeds the 7-year legal reporting period as per FCRA Section 605 ( a ). It should have been deleted years ago.

3. Unauthorized or Unverified Hard Inquiries : Experian has allowed the following companies to access my credit file without my consent. I did not authorize these hard inquiries, and they do not reflect any credit application I initiated. These inquiries were made without a permissible purpose under FCRA Section 604 ( a ) ( 3 ) and are damaging my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Harm : Due to Experian 's failure to maintain accurate and verified information, I have been denied housing and credit opportunities and experienced a reduction in my credit scores. These violations are in direct breach of FCRA Sections 602 ( a ), 607 ( b ), and 611 ( a ). I am requesting the CFPB investigate these matters and compel Experian to remove the inaccurate address, all unverifiable late payments, outdated charge-offs, and unauthorized inquiries. 

I appreciate your assistance and request to be updated on the progress and resolution of this complaint.

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