Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am submitting this formal complaint against Experian for reporting multiple inaccurate and unverifiable accounts, addresses, and inquiries on my credit file, despite my repeated disputes. These entries have severely impacted my creditworthiness, violated my rights under the Fair Credit Reporting Act ( FCRA ), and caused significant harm including loan denials, increased interest rates, and mental distress. 
ACCOUNT DETAILS WITH ISSUE & STORY : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$9800.00} Reported Issue : Late Payment ISSUE : Experian is inaccurately reporting this account with a late payment, which is completely false. I made all payments on time and never received any late notice from XXXX. Reporting this false derogatory mark is harming my credit score unfairly. 
STORY : After reviewing my credit report, I noticed XXXX had been marked with a late payment. I contacted XXXX, who confirmed that no such delinquency had occurred. I submitted a formal dispute to Experian, but instead of correcting or investigating properly, they continued reporting the inaccurate information. This negligence has impacted my creditworthiness, caused stress, and led to denials in financial applications. 
Violations : FCRA 1681e ( b ) FCRA 1681i ( a ) FCRA 1681s-2 ( b ) 2. XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$1000.00} Reported Issue : Late Payment ISSUE : I have no knowledge or recollection of this account. It appears to be reported in error, or possibly due to a mixed file or identity confusion. I never received any notice, billing, or communication from this creditor. 
STORY : This account appeared on my credit report without any explanation. I do not have any relationship with XXXX, and this is likely a case of identity confusion or reporting error. I disputed the entry with Experian and demanded verification, but Experian did not remove or even properly investigate it. I have never missed a payment for a loan I did not take. This has damaged my credit and credibility. 
Violations : FCRA 1681b FCRA 1681e ( b ) FCRA 1681i ( a ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Credit : {$5000.00} Reported Issue : Charge Off ISSUE : The charge-off status reported is inaccurate and misleading. This account was settled and should never have been charged off. Experian failed to verify this with the data furnisher before adding it to my credit report. 
STORY : I had a personal loan with XXXX that was negotiated and resolved through a settlement agreement. Despite this, Experian continues to show the account as charged off, which is misleading and not reflective of the actual resolution. I submitted disputes with proof of settlement, but Experian chose to keep the negative mark without proper investigation. This has significantly impacted my credit and financial opportunities, all due to incorrect and negligent reporting. 
Violations : FCRA 1681s-2 ( a ) FDCPA 807 ( 15 U.S. Code 1692e ) INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : This address is not and has never been associated with me. Its presence on my credit file indicates that Experian is mixing my file with someone elses or not following proper procedures to verify identity information. 
STORY : I was shocked to find this completely unfamiliar address on my Experian credit report. I have never lived in XXXX  nor been associated with this property. This raises serious concerns about Experian 's handling of consumer data. I requested removal of this incorrect address, but they failed to act. This has exposed me to potential fraud and identity theft risk. 
Violations : FCRA 1681e ( a ) FCRA 1681c UNAUTHORIZED CREDIT INQUIRY : XXXXXXXX XXXX XXXXXXXX | Date : XX/XX/XXXX ISSUE : This credit inquiry was conducted without my knowledge, consent, or any application from my side. I did not apply for a mortgage or authorize this inquiry at any time. 
STORY : I discovered a hard inquiry from XXXX XXXX XXXXXXXX on my Experian credit report, dated XX/XX/XXXX. I never applied for a mortgage or gave any company permission to pull my credit. This inquiry was done without my knowledge and constitutes an unauthorized access to my credit file. Experian should not have allowed this without validating the permissible purpose.

Violations : FCRA 1681b ( c ) OVERALL STATEMENT : Experian has consistently failed in its duty to ensure accurate, verifiable, and complete credit reporting. The inclusion of late payments, charge-offs, unrecognized accounts, unauthorized inquiries, and incorrect address reflects a total disregard of my rights as a consumer. Despite filing multiple disputes, Experian has either ignored, dismissed, or improperly handled them without proper investigation. This has caused serious harm including credit denials, elevated interest rates, and emotional stress.

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