Consumer complaint received 2025-08-08 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: MS

Complaint narrative:
I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, incomplete, and unverifiable information on my credit file. Despite my formal disputes, Experian has refused to remove or correct the false data, relying instead on unverifiable electronic confirmations rather than obtaining original documentation from the furnishers. This conduct violates FCRA 602, 603, 607 ( b ), 609, 611, and 623. 

My credit file contains personal information that is entirely wrong, including the addresses XXXX XXXX XXXX XXXXXXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never lived at either of these locations. Reporting false addresses is a direct violation of the accuracy requirements under 607 ( b ) and places me at risk of identity theft and credit profile confusion.

In addition, Experian is reporting multiple charge-off accounts with {$0.00} balances, which is contradictory and misleading. These include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00}. Under 609 ( a ), I have the right to receive original signed contracts, payment histories, and proof of default from the furnisher of each account. Experian has failed to provide this evidence. Under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted, and under 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from knowingly reporting false information. Continuing to report these accounts without proper verification is unlawful and harmful to my creditworthiness.

Experian is also reporting multiple inquiries that I never authorized, in direct violation of 604 of the FCRA, which requires a permissible purpose and my consent for any access to my credit file. These unauthorized inquiries include XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX , XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX , and XXXX XXXX XXXX on XX/XX/XXXX. None of these inquiries were initiated or approved by me. Their continued presence violates both the permissible purpose rule under 604 and the accuracy standard under 607 ( b ).

Experians refusal to correct or delete these disputed items after receiving my formal disputes demonstrates willful noncompliance with the FCRA. This unlawful reporting has caused me financial harm, damaged my reputation, and denied me fair access to credit opportunities. I am requesting that the CFPB investigate Experians handling of my disputes and require the immediate removal of all inaccurate, incomplete, and unverifiable information from my credit file, and that Experian be held accountable for repeated violations of federal law.

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