Consumer complaint received 2025-10-28 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: PR

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXX, XXXX ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it 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 this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation.

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Experian is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account- and the related hard inquiries - without any documented consent constitutes a direct violation of this section. They're using and disclosing my non-public personal information without authorization.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( XXXX XXXX. XXXX ) identifying the disputed account and inquiries, yet Experian continues to report them, causing ongoing harm and violating this section.

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 valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met.

PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of this unauthorized account. When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying.

I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was bad because of something that isn't even mine. It was stressful looking for another place and facing the same problem over and over.

My insurance premiums increased due to credit-based pricing. I'm literally paying more money every month because of something I didn't do.

This ongoing situation has caused me real financial pressure. I wake up worried about this. It's frustrating and causes XXXX  knowing that I'm being punished for something that violated my rights from the beginning. It affects my daily life in ways it shouldn't.

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