Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I recently reviewed my credit report and found something deeply concerning. There is an account reporting ( XXXX  XXXX - XXXX ) that I never authorized. I did not open it, I did not give permission for it to appear on my file, and I certainly did not consent for it to be reported to any credit bureau. Let me be absolutely clear : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to appear on my credit report. Its presence is causing ongoing damage to my financial stability, creditworthiness, and personal reputation. 

LEGAL VIOLATIONS After researching my rights under the Fair Credit Reporting Act ( FCRA ), I have identified several violations by Experian, which continue to harm me : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose This section states that a consumers credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account and any related hard inquiries without documented consent constitutes a direct violation of this law. 
Experian is using and disclosing my non-public personal information without legal authorization. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Identity-Theft Information When a consumer submits an identity theft report, such as one issued by the Federal Trade Commission ( FTC ) , the credit bureau must block the disputed information within four ( 4 ) business days. 
I submitted a valid FTC Identity Theft Report ( Report ID : XXXX ) identifying this fraudulent account and related inquiries. Despite this, Experian continues to report them, causing ongoing harm and violating this section. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Experian has failed to maintain procedures to assure maximum possible accuracy. Reporting unverified and unauthorized data without valid documentation from the furnisher or bureau clearly fails to meet this legal requirement. 

PERSONAL IMPACT This is not a technical error on paper it is a real, ongoing hardship that affects multiple areas of my daily life : I have been denied legitimate credit applications because of this unauthorized account. When I do get approved, Im charged unfairly high interest rates. 

I was denied housing when attempting to rent an apartment. It was humiliating to explain to a landlord that my credit score was damaged by an account that isnt mine. This created unnecessary stress and difficulty finding a place to live. 

My insurance premiums have increased due to credit-based pricing, meaning Im literally paying more each month for something I didnt do. 

This ongoing issue has placed me under real financial pressure and emotional distress. I wake up every day worried about the consequences of this inaccurate information. It is frustrating, anxiety-inducing, and deeply unfair to be punished for something that violated my rights from the very beginning.

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