Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am filing this complaint because my credit report is filled with inaccurate and unverifiable information that has caused me significant harm. Despite my repeated efforts to dispute these errors with the credit reporting agencies, they have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) and have continued to report damaging and false information.

On my Experian credit report, there are two wrong addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at these addresses, yet they are being reported as part of my file, which indicates a serious failure in properly matching records to my file under FCRA 1681e ( b ). These errors raise serious concerns about mixed files and identity confusion, which violate my rights to accurate reporting. 

There is also a tradeline from XXXX XXXX  XXXX, account number XXXX, reporting a high balance of {$280000.00} and marked as a charge-off. I have no knowledge of this account, and Experian has refused to provide verification of this debt. Reporting a charge-off of this magnitude without proof or validation is a clear violation of FCRA 1681i, which requires a reasonable reinvestigation. 

Another account from XXXX XXXX, account number XXXX, shows a high balance of {$2100.00} and is reporting late payments. I have disputed this account multiple times and have never received a proper response or documentation proving the accuracy of these late payment entries. Similarly, XXXX, account number XXXX, and XXXX, account number XXXX, are reporting late payments without validation. These entries are damaging my creditworthiness, and Experian has failed to ensure their accuracy, again violating 1681e ( b ).

There is also a bankruptcy entry listed as U.S. Bankruptcy Court, reference number XXXX, which I have disputed repeatedly because I have not filed for bankruptcy. Experian has not produced any court documentation proving the validity of this reporting, which is a serious violation of the FCRA and the Bankruptcy Code. Reporting a bankruptcy without proper documentation is reckless and harmful.

In addition, there are several hard inquiries on my credit file that I never authorized, including inquiries from XXXX XXXX XXXX  ( XX/XX/year> ), XXXX XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), and XXXX XXXX  ( XX/XX/year> ). These inquiries are damaging my credit score, and Experian has not provided proof of my consent, violating 1681b, which regulates permissible purposes for accessing consumer credit files.

I have been denied fair credit opportunities because of these false and damaging entries. I have suffered emotional stress, financial hardship, and reputational damage. These violations of federal law, particularly the Fair Credit Reporting Act, demand immediate action. I request that the CFPB take strict action against Experian for their failure to maintain reasonable procedures to ensure maximum possible accuracy, their refusal to properly reinvestigate disputes, and their unlawful reporting of accounts and inquiries that can not be verified. I am asking for the deletion of all inaccurate addresses, fraudulent tradelines, and unauthorized inquiries from my credit report.

I have made every effort to resolve these issues directly, but Experian has failed to comply with federal law and continues to harm me through false reporting. This complaint is being filed in hopes of obtaining enforcement of my rights and protection from further damage.

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