Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint against Experian for continuously reporting inaccurate, unauthorized, and potentially fraudulent information on my credit report, despite my previous attempts to resolve these matters directly with them. These errors include wrong addresses, unauthorized accounts, inaccurate negative payment history, and unpermitted hard inquiriesall of which are seriously harming my credit standing and violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
XXXX. WRONG ADDRESSES REPORTED BY EXPERIAN XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX These addresses are falsely associated with my identity. I have never lived at or been affiliated with either of these addresses. Reporting false address data violates FCRA 1681e ( b ) which mandates consumer reporting agencies to assure the maximum possible accuracy of reported information. These errors expose me to identity theft, misrepresentation, and rejection in housing and credit applications. 
XXXX. INCORRECT AND DAMAGING ACCOUNT INFORMATION XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Status : Charge-Off This account has been marked as a charge-off, but I dispute its accuracy. I never received any communication, validation, or agreement from this creditor. Under FDCPA 809 ( a ) and FCRA 1681i, Experian must verify this account or remove it if unverifiable. 
XXXX XXXX  XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Charge-Off I never opened this account. It appears to be a case of identity theft or reporting error. Experian continues to report this entry without providing proof of my connection to it, violating FCRA 1681b ( lack of permissible purpose ). 
XXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Status : Late Payment This company has reported late payments which are not accurate. I was not properly notified, and I made timely payments under the terms agreed. Under FCRA 1681s-2 ( a ), furnishers are obligated to report accurately. Experian is liable for continued distribution of incorrect derogatory marks that damage my creditworthiness. 
XXXX. UNAUTHORIZED INQUIRIES ( NO PERMISSION GIVEN ) The following hard inquiries were made without my knowledge or consent, and I have no business relationship with these entities : XXXX XXXX XXXX  XX/XX/XXXX XXXX Financial Services XX/XX/XXXX Global Lending Service XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ), hard inquiries must only be made with a consumers explicit authorization or for a permissible purpose. These inquiries were conducted without my approval, and Experian has failed to remove them upon dispute. These actions not only violate FCRA guidelines but reduce my credit score unfairly and raise the risk of financial identity abuse. 
HARM & IMPACT Due to these reporting errors and Experians failure to properly investigate or correct them, I have suffered : Denial of credit and housing Reputational damage Increased interest rates Emotional distress and anxiety These inaccurate and unverified entries undermine my financial credibility and violate my legal rights as a consumer. 
RELIEF REQUESTED I am respectfully requesting that the CFPB : XXXX. Investigate Experians failure to comply with the FCRA and FDCPA 2. Compel Experian to permanently remove the following : o The XXXX inaccurate addresses o The XXXX disputed accounts ( XXXX, XXXX XXXX  XXXX XXXX ) o All XXXX unauthorized inquiries XXXX. Ensure Experian implements stronger controls to prevent future reporting of unverifiable and unauthorized information Please find this complaint supported with clear examples and citations of law. Im requesting full corrective action, written confirmation of results, and that my consumer rights be upheld without further delay. 
Thank you for your attention and for protecting consumers like me from credit reporting abuse.

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