Consumer complaint received 2025-10-30 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 because Experian Information Solutions , Inc. has continued to report false, inaccurate, and unauthorized information on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my rights as a consumer to have accurate and verifiable information reported, Experian has failed to ensure maximum possible accuracy as required under FCRA 1681e ( b ) and has not conducted a proper reinvestigation under 611 ( a ) ( 1 ) ( A ) after I disputed these items.

My credit report contains two addresses that are completely inaccurate and not associated with me in any way. These addresses are XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. The inclusion of these addresses represents false personal identification information and violates Experians duty to maintain accurate consumer data under FCRA 1681c ( f ). 

Experian is also reporting several accounts with false late payment histories that are entirely untrue and unsupported by any verified payment record. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have ever been late, and the reporting of these accounts as delinquent is inaccurate, misleading, and damaging to my credit standing. This constitutes a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of information known to be inaccurate, and Experians continued reporting after dispute represents a failure to correct false data in violation of FCRA 611 ( a ) ( 5 ) ( A ). 

In addition, my Experian file contains several unauthorized inquiries that I never initiated or consented to. These include inquiries from XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. None of these entities had a permissible purpose under FCRA 604 ( a ) ( 2 ) to access my credit report, and their appearance constitutes a violation of 1681b ( f ). Despite these clear violations, Experian has failed to remove these unauthorized inquiries after being properly notified. 

I am requesting the Consumer Financial Protection Bureau to investigate Experian for willful noncompliance with the FCRA. Experians continued failure to correct inaccurate account data, unauthorized inquiries, and false personal information demonstrates negligence and disregard for federal consumer protection standards. I am demanding that Experian immediately delete the inaccurate addresses XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX PL XXXX, NY XXXX, remove the unauthorized inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX and correct or delete the false late payment reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These errors have caused serious harm to my credit reputation and financial stability. I request full enforcement of my rights under FCRA 611 and 616 and ask that Experian be held accountable for these violations.

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