Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate, unverifiable, and outdated information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies are damaging my creditworthiness, causing me financial harm, and creating emotional distress. Experian is reporting two addresses, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX that are completely inaccurate. I have never lived at these addresses nor have I had any financial association with them. Under FCRA 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy, yet they are publishing false address information, increasing the risk of identity confusion.

Experian is also reporting multiple accounts with false derogatory information. XXXX XXXX, opened XX/XX/XXXX with a balance of {$3900.00}, is inaccurately showing a late payment that has never been verified. XXXX XXXX XXXX opened XX/XX/XXXX with a highest balance of {$550.00}, is reporting a late payment that is not supported by any documented proof. XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX with an original balance of {$45000.00}, is showing a late payment despite being paid and closed for years. XXXX XXXX, opened XX/XX/XXXX with a highest balance of {$1200.00}, contains another unverifiable late payment entry. Experian is also reporting XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$21000.00}, as a charge-off, which is false and unsupported by any legitimate validation from the furnisher. By continuing to report these inaccuracies without proper evidence, Experian is violating FCRA 1681i ( a ) for failing to conduct a reasonable reinvestigation and FCRA 1681e ( b ) for not assuring accuracy.

Furthermore, Experian has allowed multiple unauthorized inquiries to remain on my credit report, including XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I did not apply for credit or give written consent for these entities to access my credit file. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes, and none of these inquiries meet that requirement.

I have previously disputed these addresses, accounts, and inquiries directly with Experian. They either failed to respond appropriately, provided generic responses without verification, or conducted inadequate reinvestigations in violation of my rights. These actions, whether negligent or willful, are actionable under FCRA 616 and 617. These false items have resulted in credit denials, higher interest rates, and unnecessary stress. I request that the CFPB compel Experian to delete the inaccurate addresses, remove all unverifiable late payments and the false charge-off, delete the unauthorized inquiries, and provide written confirmation of corrections as required by law.

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