Consumer complaint received 2025-07-05 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:
I am filing this formal complaint against Experian for reporting inaccurate, outdated, and unverifiable information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq. Despite my previous attempts to dispute and correct these errors, Experian has failed to conduct a reasonable investigation or remove the incorrect items. These inaccuracies are severely damaging my creditworthiness and financial opportunities. I demand immediate correction and deletion of the following items : XXXX XXXX XXXX XXXX, MI XXXX This address is inaccurate and does not belong to me, nor have I ever resided at this location. Reporting incorrect addresses violates XXXX XXXX XXXX XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The presence of this address raises concerns of potential identity mix-up or file merging, which jeopardizes my personal credit data integrity. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX This is another address that is incorrectly associated with me. I have never lived at or had any financial dealings related to this address. Reporting such incorrect personal identifiers violates XXXX XXXX XXXX XXXX ( b ) and contributes to erroneous linkages and potential fraud. I have previously requested its removal, but Experian has failed to take any action or provide documentation verifying its connection to me. 
XXXX XXXXXXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$81.00} This account is showing a late payment that is inaccurate. I have disputed this several times and requested verification under XXXX XXXX XXXX XXXX ( a ), which requires Experian to conduct a reasonable reinvestigation. No proper investigation or evidence was provided. Experians continued reporting of this inaccurate derogatory mark without validation is a willful violation of FCRA sections XXXX ( b ) and XXXX. 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$100.00} This account is also showing an incorrect late payment that I fully dispute. This derogatory information is outdated, unverifiable, and continues to harm my credit profile. Experian has not demonstrated compliance with their obligations under XXXX ( a ) ( XXXX ) ( A ) and has failed to maintain accurate data in accordance with XXXX ( b ). 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} This account reflects a late payment that is inaccurate. The balance shows XXXX, and this tradeline has been paid and closed. There should be no negative payment history reported. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), no adverse information that is inaccurate or misleading should be retained. Experian 's failure to delete this derogatory entry after dispute reflects noncompliance with XXXX and XXXX ( b ). 
XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$8100.00} This account is reported as charged off, which I dispute as erroneous. No valid documentation has been provided to verify this charge-off under XXXX ( a ). Reporting a charge-off when there is an active dispute without listing the account as " disputed by consumer '' also violates XXXX ( a ) ( XXXX ). Experian has ignored the legal requirement to ensure the accuracy and integrity of such a serious derogatory mark. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} This charge-off account is being reported despite being resolved, and the balance is XXXX. It is misleading and harmful to list this as a negative tradeline. Experian is required to ensure accuracy and remove obsolete or incorrect data under XXXX XXXX XXXX XXXX ( b ) and XXXX. 
XXXX XXXX Date : XX/XX/XXXX This hard inquiry is listed without my knowledge or authorization. This is a violation of FCRA XXXX ( c ), which requires that consumer reporting agencies may furnish a consumer report only with permissible purpose. No permissible purpose has been verified for this inquiry, and it appears to have been placed without my consent. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unauthorized. I never applied for any credit requiring this company to access my credit. Experians failure to ensure the inquiry was made with permissible purpose violates XXXX ( a ) and XXXX ( c ), as well as its duty under XXXX ( a ) to maintain strict procedures for the release of consumer reports. 
XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my knowledge or any application for credit on my part. Experian failed to validate the legitimacy of this inquiry and reported it in violation of XXXX and XXXX ( a ). 
XXXX XXXX XXXX Date : XX/XX/XXXX This unauthorized inquiry was reported without permissible purpose. I never gave consent or applied for credit. Experian 's duty to verify the legitimacy of inquiries under XXXX was breached. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This duplicate unauthorized inquiry from the same company further indicates negligence in Experian 's procedures for protecting consumers ' private data under XXXX ( a ) and XXXX ( c ). No disclosure or permissible purpose has been verified. 
I am extremely distressed by the negligence and systemic failure on the part of Experian to maintain accurate and fair consumer credit reporting. The presence of wrong addresses, false late payments, inaccurate charge-offs, and unauthorized inquiries constitute serious violations of federal consumer protection laws. These errors have affected my credit score, hindered access to housing and credit, and caused undue emotional and financial harm. I am demanding immediate deletion or correction of the above-mentioned inaccuracies from my Experian credit file, a formal investigation, and documentation supporting their reporting decisions. I am also requesting that this complaint be used as a formal dispute under FCRA XXXX. Please hold Experian accountable for its repeated violations and ensure my rights under federal law are upheld.

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