Consumer complaint received 2025-10-30 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: IN

Complaint narrative:
I recently reviewed my credit report from Experian and discovered serious inaccuracies that I never authorized. There are multiple accounts and hard inquiries appearing on my file that do not belong to me and were added without my knowledge or consent. 

Unauthorized Accounts : XXXX XXXX XXXX Account No. XXXX XXXX Account XXXX. XXXX XXXX XXXX Account No. XXXX XXXX Account XXXX. XXXX I have never applied for, opened, or authorized these accounts. I also did not grant any company permission to access my credit or perform hard inquiries related to these accounts. 

To support my claim, I filed and enclosed a Police Report ( XXXX XXXX. XXXX ) documenting the identity-theft activity and unauthorized reporting. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), Experian is legally required to block and delete this type of disputed information within four ( 4 ) business days of receiving valid identity-theft documentation. Despite this, the information remains on my report. 

LEGAL VIOLATIONS : After reviewing federal law, I found that Experians handling of my data violates several key sections of the FCRA and industry data-furnishing standards : FCRA 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose No company may obtain or report a consumers credit information without a legitimate permissible purpose based on the consumers written authorization. 
I did not sign, consent, or electronically approve any of these accounts or inquiries. Therefore, Experian is reporting information obtained without a lawful purpose, constituting a direct violation of 604.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information Resulting from Identity Theft When a valid identity-theft or police report is submitted, the bureau must block and delete the disputed data within four business days. 
Experian received my police report ( XXXX ) yet failed to take timely action. Continuing to publish these unauthorized accounts and inquiries is a clear violation of 605B.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy. Reporting accounts that I never authorized fails this standard and misrepresents my actual credit history.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Upon receiving a dispute, Experian must reasonably investigate and delete any data that can not be verified with actual documentation. If Experian can not produce written proof that I authorized these accounts, federal law mandates their deletion. 

FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Deleted Information If any of these accounts are deleted and later reinserted, Experian must : Obtain written certification from the furnisher verifying the accuracy and legitimacy ; Provide written notice to me within five ( 5 ) business days ; and Retain documentary evidence of my authorization.

Reinsertion without meeting these strict requirements constitutes willful non-compliance under 1681n.

Metro 2 Compliance Failures Experian is obligated under the CDIA Metro 2 Format Guidelines to report only complete, accurate, consistent, and current data. 
The items in question fail all four criteria : Inaccurate I never authorized or opened these accounts.

Inconsistent They conflict with other verified information in my file.

Incomplete No supporting documentation exists to validate them.

Non-current They remain despite submission of fraud documentation.

Under both FCRA and Metro 2 rules, these items must be immediately removed.

PERSONAL IMPACT : This situation is not merely technicalit is causing significant, measurable harm to my financial life : I was denied a mortgage, as the loan officer cited these disputed accounts as the main reason. 

I secured auto financing but at an excessively high interest rate, costing me hundreds of dollars more each month. 

I was denied a credit card, and every new application triggers more unauthorized inquiries, further damaging my credit score. 

I have spent countless hours making calls, researching, and gathering documents to correct information that never should have appeared in the first place. 

These errors have delayed my financial goals, created emotional distress, and continue to cause real economic harm.

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