Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I am filing this complaint because Experian and the furnishers of information have failed to properly investigate and correct multiple inaccurate, incomplete, and unverifiable items that are being reported on my credit profile. Despite filing disputes and providing notice, Experian has allowed these items to remain without providing any proper validation, which is a direct violation of my rights under the Fair Credit Reporting Act. 

Experian continues to report false addresses including XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, neither of which belongs to me. These addresses create a misleading record attached to my identity and have not been removed even after my disputes. 

Experian is also reporting tradelines with derogatory information that remain unverified. XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$300.00} is showing late payment history, but no documentation proving its accuracy has been provided. XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1900.00} is also being reported with late payments that have never been validated. In addition, XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$27000.00} is showing derogatory late payment reporting that remains unsupported by any verifiable documentation. These accounts are being reported without proper validation and are damaging my credit profile unlawfully. 

Experian is also reporting several unauthorized and unverifiable hard inquiries. These include XXXX  XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXXXXXX BANK XXXX dated XX/XX/XXXX. I never authorized these inquiries, and Experian has failed to provide any original documentation or proof of permissible purpose as required under the FCRA. The continued appearance of these inquiries without validation is unlawful. 

This situation is causing ongoing harm to my creditworthiness and financial stability. Experian and the furnishers have failed to comply with their obligations under FCRA 611 and 623 by continuing to report unverifiable and inaccurate information. I have made disputes, yet instead of correcting or removing the information, Experian has ignored its duty to reinvestigate and has allowed false reporting to continue. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to require Experian to conduct a full reinvestigation, provide proper validation with original signed documentation, and permanently delete any unverifiable, inaccurate, or unauthorized items, including the wrong addresses, the XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, the XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX and all of the above-listed hard inquiries. 

I believe this is a serious violation of federal law, and I am seeking CFPB assistance to enforce my rights, stop these unlawful practices, and hold Experian accountable for the ongoing harm caused by these reporting failures.

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