Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
I am submitting this complaint against Experian due to its continued failure to remove inaccurate and unverifiable information from my credit report, despite multiple dispute attempts. This is now my third attempt to resolve these errors, which are negatively impacting my credit profile. Experian is reporting two addresses that are completely incorrect and have no association with me : XXXX XXXX XXXX, XXXX, LA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX I have never lived at either of these addresses, nor have I authorized their inclusion in my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 607 ( b ), consumer reporting agencies are required to maintain accurate information and follow reasonable procedures to assure maximum possible accuracy. Despite my disputes, Experian has failed to verify the legitimacy of these addresses or remove them, which I believe is a violation of these provisions. 

Additionally, Experian continues to report a late payment on an account with XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX ), even though the account reflects a {$0.00} balance. This contradiction suggests an error in the way the payment history is being reported. It is illogical and misleading to report a late payment on an account that is paid off or closed, and doing so unfairly damages my credit standing. I requested verification or removal of this late payment, but Experian has failed to provide any documentation. According to FCRA 611, Experian is obligated to reinvestigate disputed information, and under 1681s-2, furnishers of data must ensure the accuracy and completeness of the information they report. Experians failure to act upon my previous dispute letters is a serious violation of these requirements. 

Moreover, there are multiple unauthorized hard inquiries listed on my Experian credit report from XXXX XXXX  ( dated XX/XX/XXXXXXXX  ), XXXX XXXX ( dated XX/XX/XXXX ), and XXXX  ( dated XX/XX/XXXX ). I never applied for credit with these institutions, and I did not authorize these inquiries. Under FCRA 604 ( a ) ( 3 ), a credit bureau can only allow access to my credit file if a permissible purpose exists, and if the consumer has initiated the transaction. These inquiries were conducted without my consent and should be classified as unauthorized access. I have already disputed these with Experian, but they have not been removed or verified with supporting documentation. I am entitled to full transparency and protection from unauthorized use of my credit data, which Experian has failed to provide. 

Experians pattern of negligence in handling my disputes, failure to remove unverifiable and harmful data, and refusal to adhere to its legal obligations under the FCRA has caused ongoing damage to my financial health. I respectfully request that the CFPB investigate this matter thoroughly and require Experian to remove all inaccurate addresses, late payments, and unauthorized inquiries from my credit report. I also request that Experian be held accountable for noncompliance with federal consumer protection laws.

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