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: OK

Complaint narrative:
I am submitting this complaint against Experian for reporting inaccurate, outdated, and unverifiable information on my credit report, which is severely damaging my creditworthiness, financial stability, and personal life. I have repeatedly attempted to resolve these issues directly with Experian, but they have failed to take appropriate action under the law. Below are the specific items I dispute : XXXX XXXX XXXX XXXX XXXX, OK XXXX Wrong Address This address is inaccurately reported on my credit file. I have never lived at or been associated with this address. Including such false information may indicate a mixed file or potential identity confusion and violates the Fair Credit Reporting Act ( FCRA ). 
Violation : FCRA Section 607 ( b ) Requires reasonable procedures to assure maximum possible accuracy Violation : FCRA Section 609 ( a ) ( 1 ) Right to full disclosure of information used in file XXXX XXXX XXXX XXXX XXXX, OK XXXX Wrong Address This address is also incorrectly associated with me. I do not recognize this address, and its continued presence creates confusion for lenders and negatively impacts my credit profile. Experian has not provided any documentation verifying its connection to me. 
Violation : FCRA Section 607 ( b ) Violation : FCRA Section 609 ( a ) ( 1 ) XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} Late Payment * * This account is reporting late payments which I strongly dispute as inaccurate. These delinquencies are not supported by verified records, and no original signed agreement or payment history proving the late status has been provided upon request. 
Violation : FCRA Section 611 ( a ) Failure to reinvestigate disputed information Violation : FCRA Section 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Late Payment XXXX XXXX  This account shows late payments without valid documentation or evidence. I requested proof of the alleged late payments, and none has been produced. I believe this is a reporting error, and Experian must remove or verify with documentation. 
Violation : FCRA XXXX XXXX ( a ) Violation : FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX High Balance : {$14000.00} Charge Off XXXX XXXX  This account is reporting as a charge-off, which I dispute as inaccurate and incomplete. The furnisher has failed to provide documentation of a valid original agreement, itemized charges, or an account history reflecting default conditions. The failure to verify is a direct breach of my rights. 
Violation : FCRA Section 611 ( a ) Violation : FCRA Section 623 ( b ) ( 1 ) ( C ) Failure to provide investigation results after dispute XXXX XXXX XXXX Hard Inquiry Date : XX/XX/XXXX This hard inquiry was done without my knowledge or authorization. I never applied for credit with this institution on that date. Unlawful inquiries harm my credit score and privacy.

Violation : FCRA Section 604 ( a ) ( 3 ) Permissible purpose required for inquiries Violation : FCRA Section 605B Identity theft protections apply when unauthorized use is suspected XXXX XXXX XXXX  Hard Inquiry Date : XX/XX/XXXX This inquiry is unauthorized. I did not apply for any product or service with this company. Repeated unapproved inquiries indicate failure to validate permissible purpose by Experian. 
Violation : FCRA Section 604 ( a ) ( 3 ) Violation : FCRA Section 607 ( a ) Duty to maintain reasonable procedures for compliance XXXX XXXX Hard Inquiry Date : XX/XX/XXXX This inquiry was made without my knowledge or consent. There is no application or interaction from me that supports this inquiry. Experian has not responded with evidence of permissible purpose. 
Violation : FCRA Section 604 ( a ) ( 3 ) Violation : FCRA Section 607 ( a ) XXXX XXXX Hard Inquiry Date : XX/XX/XXXX I never applied for any credit or loan with XXXX XXXX. This inquiry is unauthorized and must be removed immediately as it was made without proper consent. 
Violation : FCRA Section 604 ( a ) ( 3 ) Violation : FCRA Section 605B I request that Experian be investigated and compelled to permanently delete the inaccurate addresses, unverifiable late payments, charge-off, and unauthorized inquiries listed above. These items are causing me serious harm and are in violation of the Fair Credit Reporting Act. I demand an immediate investigation and permanent deletion of all erroneous data.

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