Consumer complaint received 2025-07-01 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 inaccurate, incomplete, and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite my repeated efforts to address these issues directly with Experian, they continue to report false data, harming my creditworthiness and reputation. Below are the detailed accounts and associated issues : XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is inaccurately reported on my Experian credit file. I have never resided at this location, nor do I have any legal association with it. The continued presence of this address is a violation of FCRA 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in consumer files. I have submitted documentation proving my current and past addresses, yet Experian has failed to act. 
XXXX XXXX XXXX | Acct XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$65000.00} Late Payment This account is reporting a late payment that is not accurate or verifiable. I have not received any validation or supporting evidence from Experian or the furnisher to confirm this delinquency. Under FCRA 1681i ( a ), when a consumer disputes information, the CRA must conduct a reasonable reinvestigation. Experian has failed to investigate this account properly and has violated 1681s-2 ( b ), which prohibits furnishing inaccurate data after notice of dispute. 
XXXX XXXX XXXX | Acct XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$6300.00} Late Payment This account shows late payments despite my enrollment in an approved deferment program at the time the delinquencies allegedly occurred. Experian has failed to properly reinvestigate this matter and is reporting misleading and incorrect data in violation of FCRA XXXX ( b ). The Department of Education 's own records contradict this reporting. 
XXXX XXXX XXXX | Acct XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$5200.00} Late Payment Like the previous entry, this account reflects incorrect derogatory payment history during periods of deferment. Reporting this information without a full and fair reinvestigation is a breach of FCRA 1681i and 1681e ( b ). Despite disputes, Experian has left the inaccurate information on file. 
XXXX XXXXXXXX | Acct XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$10000.00} Late Payment This account reports several late payments which I have disputed as inaccurate. I submitted written documentation, yet Experian has continued to report the same negative payment history without verifying it with the original creditor. This failure to conduct a reinvestigation violates FCRA 1681i ( a ) and also indicates a willful failure to ensure accuracy under 1681e ( b ). 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This hard inquiry was made without my authorization or permissible purpose under FCRA 1681b ( c ). I did not apply for credit with this institution. Experian failed to confirm whether this inquiry was initiated lawfully and has refused to remove it after dispute. This is a clear violation of consumer consent requirements. 
GLOBAL LENDING SERVICE Inquiry Date : XX/XX/XXXX This inquiry was unauthorized and did not occur with my consent. I did not initiate any credit application with XXXX XXXX XXXX. According to FCRA 1681b ( a ), consumer reporting agencies may only furnish reports for permissible purposes. Experians failure to investigate and remove this inquiry is a violation of FCRA. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have no relationship or credit application history with this entity. This hard inquiry appeared without my authorization and Experian failed to provide any documentation showing that this was made with a permissible purpose, violating FCRA 1681b and 1681c-1. 
XXXX XXXX Date : XX/XX/XXXX This hard inquiry also lacks any basis in an application or authorization from me. I have not given permission to this entity to access my credit report. Experian has not removed this inquiry despite multiple disputes and no permissible purpose has been demonstrated. This is a breach of FCRA 1681b.

In conclusion, Experians continued reporting of false addresses, inaccurate payment histories, and unauthorized inquiries constitutes willful and negligent noncompliance with multiple sections of the Fair Credit Reporting Act, including but not limited to 1681e ( b ), 1681i, 1681s-2 ( b ), and 1681b. I request the Consumer Financial Protection Bureau to conduct a full investigation into Experians reporting practices and require them to delete or correct all erroneous information mentioned above. These inaccuracies have caused me financial harm, emotional distress, and have limited my access to affordable credit, employment opportunities, and housing.

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