Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Experian Information Solutions , Inc. for repeated and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and related federal consumer protection laws. My credit report currently contains false, misleading, and unverified information, including wrong addresses, inaccurate account statuses, and multiple unauthorized credit inquiries. Despite my efforts to maintain accuracy in my credit file, Experian has failed to ensure the integrity of my personal credit data as required under FCRA 607 ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are misleading and must be permanently removed from my credit file to prevent continued confusion and data mismatch in your reporting system. 
Next, I am disputing several accounts and inquiries that are either inaccurately reported, contain false payment histories, or were never authorized by me. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account falsely reports late payments even though I have never been delinquent or missed any payment. This inaccurate reporting severely harms my credit reputation and directly violates FCRA 607 ( b ), which mandates that consumer reporting agencies must assure maximum possible accuracy. I demand correction of the payment history to reflect an on-time record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9800.00} Charge Off I have no knowledge or record of any charge-off associated with this account. I never received proper notice of charge-off, nor did I authorize such classification. This is an unverified and unlawful derogatory entry that violates FCRA 611 and FDCPA 807 ( XXXX ). I request immediate deletion unless full documentation of the alleged debts validity and lawful reporting is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This is another false entry showing late payment activity. I have never been late on this account, and such misinformation constitutes negligent reporting. I demand reinvestigation and correction to show a clean payment history as required by FCRA 602 ( a ) for fairness and accuracy. 
Additionally, the following hard inquiries were never authorized by me. I did not apply for any credit, loan, or vehicle financing with these companies on or around the listed dates. The presence of multiple identical inquiries in a short period is alarming and may indicate fraud or unauthorized access to my personal information : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Under FCRA 604 ( a ) ( 2 ), no inquiry can be made without my explicit written authorization. These entities had no permissible purpose to access my report, and therefore, all of these inquiries must be deleted immediately.

Law Violations and Harm Caused : Experians negligence in maintaining accurate information has caused significant harm to my credit reputation, including lowered credit scores, emotional distress, and financial loss due to denied credit opportunities. These errors have persisted despite my prior disputes and requests for correction. 
Their actions represent willful and negligent violations of the following laws : FCRA 602 ( a ) : Failure to maintain fairness, accuracy, and privacy of consumer information.

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) : Failure to conduct a proper reinvestigation.

FCRA 604 ( a ) ( 2 ) : Unauthorized access to consumer credit file. 
FDCPA 807 ( 8 ) : Communication of false credit information. 
Requested Resolution : XXXX. Remove all inaccurate addresses from my credit file. 
XXXX. Correct or delete all false late payment entries. 
XXXX. Delete all unverified charge-off entries. 
XXXX. Permanently remove all unauthorized hard inquiries. 
XXXX. Provide a written confirmation to me and the CFPB that these items have been fully investigated and corrected in compliance with federal law. 
I respectfully request that the CFPB investigate Experians failure to comply with its legal obligations and hold them accountable for the ongoing damage caused by their inaccurate and negligent reporting. 
Please contact me if additional information or documentation is required to support this complaint.

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