Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple errors that have not been corrected. These errors include wrong personal information, inaccurate account reporting, and unauthorized credit inquiries. They have caused me serious harm, including lower credit scores, higher interest rates, and lost financial opportunities.

First, my credit file is showing two addresses in XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX SC XXXX XXXX, SC XXXX ) that do not belong to me. I have never lived at or used these addresses. Having incorrect addresses on my file creates the risk of being linked to accounts or debts that are not mine, which could severely damage my financial reputation. This also suggests possible mixed files or identity confusion, which violates my right to accurate reporting under the Fair Credit Reporting Act ( FCRA ).

In addition to the wrong addresses, Experian is reporting three accounts with false late payments : XXXX ( XXXXXXXX XXXX XXXX, opened XX/XX/XXXX, balance {$350.00} ) * * is showing late payments that are inaccurate. These entries are harming my creditworthiness without proper verification. 

XXXX XXXX ( XXXX * *, opened XX/XX/XXXX, balance {$1800.00} ) * * is reporting late payments that are misleading. I was actively disputing billing errors during that period, but instead of resolving the issue, the creditor marked me as late. 

XXXX XXXX ( XXXXXXXX XXXX XXXX, opened XX/XX/XXXX, balance {$27000.00} ) * * is also reporting false late payments. At that time, I was enrolled in a hardship assistance program that should have prevented negative reporting, yet the creditor still furnished derogatory information. 

These inaccurate late payment entries are misleading, harmful, and unfair. They paint me as delinquent when I was either current, in dispute, or under a hardship agreement. As a result, I have been denied fair credit opportunities and have faced higher costs when applying for financing. 

Finally, my report is showing multiple hard inquiries that I never authorized, including : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) Ally Financial ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not give these companies permission to access my credit report. These inquiries are unauthorized, and each one has lowered my score unfairly. Allowing companies to pull my file without consent violates my rights under the FCRA and puts my financial security at risk. 

In summary, Experian is reporting false addresses, inaccurate late payments, and unauthorized inquiries. These errors are damaging my financial reputation and stability. I request that the CFPB require Experian and the furnishers of these accounts to investigate these issues and remove or correct all inaccurate information. If creditors can not provide verified documentation to support their reporting, the negative information and inquiries must be deleted. 

I want my Experian credit file to reflect only accurate and verifiable information, as required by law.

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