Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am filing this formal complaint against Experian for failing to comply with federal laws governing accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX. Despite multiple attempts to rectify these errors, Experian has continued to report inaccurate, incomplete, and misleading information, which is severely damaging my creditworthiness and causing emotional and financial distress. The following accounts, inquiries, and addresses are in violation of the FCRA, and I am requesting an immediate investigation and correction XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2000.00} This account is inaccurately reported with multiple late payments despite having undergone forbearance and deferment periods. Under XXXX XXXX XXXX XXXX ( a ), a consumer reporting agency must conduct a reasonable reinvestigation when notified of a dispute, which has not been adequately performed. Furthermore, XXXX XXXX Code XXXX ( b ) requires Experian to maintain reasonable procedures to assure maximum possible accuracy, which has failed here XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$3600.00} This is a duplicate entry of the previous account with different balance and the same account number. This is a violation of XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( a ) as the duplication is misleading and inaccurate and results in unfair damage to my credit score XXXX  XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$470.00} This account shows late payments that are not accurate. I was enrolled in hardship assistance and communicated financial difficulties, yet Experian continued to report negative data. This violates XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing information known to be inaccurate XXXX XXXXXXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$630.00} This XXXX XXXXXXXX account also reflects inaccurate delinquencies. I made payments on time through autopay but Experian has not verified the accuracy. This is a clear violation of FCRA XXXX and XXXX ( b ), showing failure to follow reasonable procedures to ensure maximum accuracy XXXXXXXX XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance : {$540.00} This late payment was reported during a period when I was under XXXX-related payment assistance, and therefore should not have been marked delinquent. Reporting such a derogatory remark during an agreed deferment constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX XXXXXXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} This account is closed and paid in full, yet still reflects a late payment. Under FCRA XXXX ( a ) ( XXXX ), accounts with incorrect delinquency dates or statuses should not remain or should be corrected. Experian has failed to do this despite prior notices XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$330.00} This is a collection account that was never validated by the collector, nor did I receive any notice of debt under the FDCPA XXXX XXXX Code XXXX. Experian is reporting a third-party collection without proper verification or original contract documentation, which violates FCRA XXXX and XXXX ( b ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This hard inquiry was not authorized. I did not submit any application for credit with XXXX XXXX XXXX XXXX at that time. Under FCRA XXXX ( c ), a consumer reporting agency may only issue a report if there is permissible purpose, which is not present here XXXX XXXX NA Inquiry Date : XX/XX/XXXX Another unauthorized inquiry that I did not approve. Under FCRA XXXX ( a ) ( XXXX ), such inquiries require my consent or a legitimate business transaction, neither of which applies in this case XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Yet another unauthorized inquiry affecting my credit score without my knowledge or consent. This repeated pattern of impermissible access is a clear violation of my consumer rights under FCRA XXXX ( f ) Experian has also reported incorrect addresses on my credit file that do not belong to me and are damaging my creditworthiness. These include but are not limited to : XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX Ct XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX and several other Texas, Florida, California, and Georgia addresses. These addresses are not mine and reflect identity confusion or possible file merging errors. Under FCRA XXXX ( b ), Experian is required to follow procedures to ensure accuracy, which clearly has not been met. These incorrect addresses are being used to link unrelated accounts and inquiries to my file, which has caused serious harm and misrepresentation In conclusion, Experian has continuously reported inaccurate, outdated, unverifiable, and misleading information on my credit report in violation of the FCRA. They have not followed reasonable procedures to assure accuracy, failed to reinvestigate disputed items properly, allowed unauthorized access to my report, and attached false addresses to my file. I respectfully request the CFPB to conduct a thorough investigation into Experians reporting and enforcement of compliance under the Fair Credit Reporting Act and demand permanent deletion or correction of all erroneous information listed above. I also seek damages for the harm caused by these violations and the prolonged distress experienced as a result of Experians negligence and disregard for my consumer rights

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