Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., for their continued reporting of inaccurate, outdated, unverifiable, and misleading information on my credit report despite multiple disputes. Experian has failed in their legal duty to maintain maximum possible accuracy as required under FCRA 1681e ( b ), and to reinvestigate disputed information under 1681i ( a ). This inaccurate information is damaging my financial health, employment prospects, and peace of mind XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Wrong Address Issue : I have never resided at this address and it is appearing on my credit report without my authorization or association Law : FCRA 1681e ( b ) requires Experian to maintain accuracy. Reporting an address with no connection to me constitutes negligent and possibly willful noncompliance XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Wrong Address Issue : I have never lived at this address. It appears on my report as a result of a likely mixed or merged file Law : FCRA 1681c ( a ) ( 4 ) bars outdated and incorrect identifying information from remaining on a consumer report XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Late Payment Issue : This account shows a late payment that is being inaccurately reported. I made my payment on time but it was misapplied internally by the creditor Story : I contacted XXXX  XXXX and submitted proof of timely payment but Experian refused to correct the error Law : FCRA 1681s-2 ( b ) requires furnishers to investigate disputes and Experian to correct or delete inaccurate data XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Collection Issue : This collection account is not mine. I do not recognize this debt and was never contacted before placement Story : I never received validation or notice of the debt under FDCPA 809 ( a ). Reporting it without verification is a violation Law : FCRA 1681e ( b ), FCRA 1681i ( a ) ; FDCPA 809 XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Collection Issue : This is a duplicate or false collection. The balance and creditor are unknown to me Story : I demanded validation from both the collector and Experian and never received proper documentation Law : FCRA 1681b, 1681e ( b ) ; FDCPA 809 ( b ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$79000.00} Late Payment Issue : Late payments were inaccurately reported during a period of administrative forbearance and CARES Act protection Story : These late marks contradict the Department of Education 's guidance and the CARES Act deferral window Law : FCRA 1681s-2 ( a ) ( XXXX ) ( A ) ; CARES Act 4022 XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : This account was closed and paid in full, yet Experian continues to report it with late payments Story : It is misleading to report an account as derogatory when the balance is XXXX and no default exists Law : FCRA 1681e ( b ) ; 1681i ( a ) XXXX XXXX  XX/XX/XXXX Inquiry Issue : This inquiry was unauthorized and I never applied for credit with XXXX Story : I believe this inquiry was the result of identity theft or incorrect data sharing Law : FCRA 1681b ( c ) ( 1 ) ( A ), 1681e ( a ) XXXX XXXXXX/XX/XXXX Inquiry Issue : This hard inquiry was not initiated or authorized by me Story : I was never contacted by or applied for credit with XXXX XXXX XXXX : FCRA 1681b ; Experian must ensure only permissible purpose inquiries are listed XXXX XXXX XX/XX/XXXX Inquiry Issue : This inquiry is showing without my knowledge or application Story : I suspect this was done without permissible purpose under the FCRA Law : FCRA 1681b ( f ) XXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Unfamiliar inquiry made without my knowledge Story : Experian has not provided any evidence of my authorization or connection to this request Law : FCRA 1681b ( a ) ( XXXX ) XXXX XXXX  XX/XX/XXXX Inquiry Issue : I did not initiate a credit application with this institution Story : Multiple unauthorized inquiries suggest systemic failure by Experian to validate access permissions Law : FCRA 1681e ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No permissible purpose exists for this inquiry Story : I never engaged in any relationship with this institution, this inquiry should not exist Law : FCRA 1681b ( c ) XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : This is another unauthorized pull without any application or inquiry from me Story : The number of unauthorized hard pulls is alarming and reflects on Experians weak controls Law : FCRA 1681b ( c ) ; 1681e ( a ) XXXX XXXX  XX/XX/XXXX Inquiry Issue : I did not seek credit from XXXX XXXX  on this date Story : Experian has a duty to ensure that hard inquiries are only posted with proper consent Law : FCRA 1681b ( a ) ( XXXX ) These inaccurate and harmful items are clear violations of federal law. I demand that the Consumer Financial Protection Bureau take appropriate action to investigate Experian for these continued violations, ensure my credit report is corrected and Experian is held accountable for the distress and damage their inaccuracy has caused. I request deletion of all the above erroneous data from my Experian file and assurance that compliance measures will be implemented to avoid future reporting errors

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