Consumer complaint received 2025-07-08 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 complaint against Experian for gross negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, for reporting inaccurate information on my credit report including wrong addresses, late payments, charge-offs, and multiple unauthorized or unverifiable hard inquiries. Despite my repeated efforts to resolve these issues, Experian has continued to publish damaging and incorrect information that is negatively affecting my financial well-being and violating my consumer rights. 
XXXX XXXX XXXX  XXXX, TX XXXX Wrong Address This address is incorrectly reported on my credit file. I have never resided at, used, or been associated with this location. Reporting this address violates FCRA 15 U.S.C 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy of the information. Including inaccurate addresses suggests possible identity confusion or data merging, which could put me at risk for fraud or mistaken identity. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is also being incorrectly listed in my Experian credit report. I have never lived at or conducted any business associated with this address. This is a clear failure on Experians part to verify address data properly in accordance with FCRA 15 U.S.C 1681i ( a ), which mandates reinvestigation and correction upon dispute. The continued reporting of these false addresses undermines the integrity of my entire credit file. 
XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$490.00} Late Payment This account is inaccurately reporting a late payment which I fully dispute. I made payments on time and have documentation to support this. Experian is violating FCRA 15 U.S.C 1681s-2 ( a ), which states that a furnisher of information must not provide inaccurate information to a credit reporting agency. By continuing to report this incorrect derogatory mark without verifying its accuracy, Experian is failing to fulfill its duty of accuracy. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1900.00} Late Payment Another account from XXXX  XXXX is showing an inaccurate late payment. I have disputed this entry previously but Experian continues to retain the negative remark. This is a violation of FCRA 15 U.S.C 1681i, which mandates that a CRA must conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies. This derogatory remark is false, and Experians unwillingness to act upon disputes harms my creditworthiness and opportunities for financial advancement. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$10000.00} Charge Off This account is being reported as a charge-off even though I never defaulted. I dispute this entry in its entirety. Experian has refused to provide any verification, which is required under FCRA 15 U.S.C 1681i ( a ). By failing to properly investigate and continuing to publish inaccurate charge-off data, Experian is placing me at a significant disadvantage when applying for credit or loans. The reputational and financial damage caused is unacceptable. 
XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6600.00} Charge Off This charge-off status is also incorrect and disputed. Experian has not provided adequate verification and continues to report the derogatory account in violation of FCRA 15 U.S.C 1681e ( b ). This is a clear case of inaccurate reporting without any accountability, causing further damage to my financial profile and credit standing. 
XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} Charge Off This account is being reported as a charge-off but I have never defaulted on this loan. This entry is inaccurate and has never been verified by Experian. Despite my prior disputes, Experian has retained this entry in violation of their obligation to conduct a reasonable reinvestigation under FCRA 15 U.S.C 1681i ( a ). This action is not only negligent but damaging to my reputation and ability to access credit. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry I did not authorize this inquiry. It is appearing on my credit report without my knowledge or consent. This violates FCRA 15 U.S.C 1681b ( c ), which stipulates that a consumer reporting agency may furnish a consumer report only for permissible purposes. Experian has failed to verify the legitimacy of this inquiry. 
XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX This inquiry is unauthorized and was made without my consent or application for credit. Experians inclusion of this on my file without verifying permissible purpose is a violation of FCRA 15 U.S.C 1681b. This is damaging to my credit score and was never initiated by me. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry I did not apply for credit with XXXX XXXX, yet this inquiry is showing on my Experian report. This constitutes an unauthorized access to my credit data, violating the FCRAs permissible purpose rule under 15 U.S.C 1681b ( a ) ( 3 ).

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX This hard inquiry was not authorized or initiated by me. I did not apply for credit, and Experian has failed to follow up on my dispute. This is another clear violation of FCRA 15 U.S.C 1681b ( a ) for accessing and reporting my credit information without lawful purpose. 
XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX This inquiry is unauthorized. I never applied for any XXXX credit card or related service. The fact that Experian allowed this inquiry without proper verification shows gross negligence and a failure to uphold the permissible purpose requirements of FCRA 15 U.S.C 1681b.

In conclusion, Experians repeated failure to maintain accurate and verifiable consumer information, including the publication of false addresses, reporting of inaccurate accounts, and allowing unauthorized hard inquiries, shows a pattern of willful noncompliance with the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations, compel Experian to remove all inaccurate data, and hold them accountable for the harm caused to my credit and personal reputation. I demand a full deletion of all incorrect addresses, the correction or removal of all disputed accounts, and the immediate removal of all unauthorized or unverifiable hard inquiries.

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