Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. Theres an account reporting ( XXXX XXXX XXXX, Account Number : XXXX ) and another one ( XXXX, Account Number : XXXX ) that I never authorized. 
I didnt open these accounts, I didnt give permission for them to appear on my file, and I definitely didnt consent to have them reported to any credit bureau. 

I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for these accounts to be on my credit file. Their presence there has been causing ongoing damage to my financial stability and reputation. 

In addition, my credit report shows an unauthorized hard inquiry from XXXX XXXX XXXX  ( XX/XX/year> ), which I also never permitted. 

To document this situation properly, I filed a Police Report ( Case No. XXXX ) confirming that these accounts and inquiries were not authorized by me and XXXX be the result of identity theft or misuse of my personal data. 

LEGAL VIOLATIONS : After reviewing the Fair Credit Reporting Act ( FCRA ), I identified multiple violations by Experian and the furnishers involved : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : No person or entity may access or report a consumers credit information without a valid permissible purpose. These accounts and the associated inquiry appeared without my consent or authorization, which constitutes a direct violation of this section. They involve the unauthorized use and disclosure of my non-public personal information. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of Disput
ed Information : When a consumer provides a valid identity-theft report, the credit bureau must block and delete the disputed information within four ( 4 ) business days. Despite receiving my police report ( Case No. XXXX ), Experian has continued to display the unauthorized accounts and inquiry, violating this provision and prolonging the harm to my credit.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Experian has failed to maintain reasonable procedures to ensure maximum possible accuracy. Reporting accounts that were never authorized and inquiries without permissible purpose directly violates this requirement. There is no valid documentation from the furnishers proving I ever opened or consented to these accounts. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate : Once I submitted my dispute and documentation, Experian was required to conduct a reasonable reinvestigation and delete any information it could not verify as accurate. No written proof has been provided showing my authorization, yet the items remain, in violation of this section.

Additionally, CDIA Metro 2 standards require all reported data to be accurate, complete, consistent, and current. These accounts and inquiries fail all those standards because : They are inaccurate ( I never authorized them ) The inquiries lack a valid permissible purpose No supporting documentation exists to justify their reporting PERSONAL IMPACT : This is not a technical or clerical issue it has had very real consequences in my life : I was denied a mortgage due to these unauthorized accounts being listed. The loan officer directly identified them as the main reason for my denial.

I obtained vehicle financing, but at an excessively high interest rate because of these same accounts, forcing me to pay much more each month.

I was denied a credit card I legitimately applied for, and each new credit check further damages my score.

I even lost an apartment opportunity because my credit appeared unreliable. 

My insurance premiums increased, costing me more monthly for something that is not even my fault. 

This situation has caused financial stress, emotional XXXX, and unnecessary hardship. I have spent hours gathering documents, making calls, and following procedures to correct information that should never have been reported in the first place.

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