Consumer complaint received 2025-10-14 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: OH

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

Experian has failed to maintain only accurate, verifiable, and complete information. The absence of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation duty.

Upon dispute, the credit reporting agency must conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. Absent verifiable proof of consent, the items must be removed.

FCRA Section 1681a ( 4 ) Protection of non-public personal information.

Consumers have a right to protection of their non-public personal information. Maintaining accounts or inquiries in my file without my consent is an improper intrusion that exposes my private financial data and reputation to unwarranted harm.

Non-Compliance with Metro 2 Standards Per CDIA/Metro 2 guidelines, all furnished data must be complete, accurate, consistent, and current. In this case : The identified account is unauthorized and inaccurate, failing Metro 2 requirements.

The absence of verifiable documentation contravenes Data Integrity obligations under Metro 2.

Therefore, this item is inherently inaccurate under both the FCRA and Metro 2, reinforcing my right to immediate deletion.

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account.

When approved for credit, I am forced to pay significantly higher interest rates. 
I was recently denied rental housing because of this negative information. 
My insurance premiums are higher due to credit-based pricing. 
This has caused ongoing financial stress and embarrassment.

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