Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am filing this complaint against Experian for reporting multiple inaccurate and unverified items on my credit report and for failing to ensure the maximum possible accuracy of my consumer information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Upon reviewing my Experian credit report, I discovered several serious inaccuracies that have caused significant harm to my creditworthiness. First, Experian is reporting two completely incorrect addresses XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. I have never lived at, used, or been associated with either of these addresses. Their presence in my credit file is a violation of Experians obligation to maintain accurate and verifiable identifying information and may indicate a failure to properly validate consumer data. 

In addition, Experian is reporting a XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX ) with a high balance of {$7200.00}, opened on XX/XX/XXXX, and listed as a charge-off. I have no knowledge of this account, nor did I authorize any credit relationship with this creditor. Experian has not provided any verifiable documentation linking this account to me. This tradeline is clearly unverified and should not appear on my credit report. 

Furthermore, Experian is inaccurately reporting several XXXX accounts with false late payment histories. These include Account # XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$940.00} ; Account # XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$3000.00} ; and Account # XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$2300.00}. I have never made late payments on any of these accounts, yet Experian continues to report erroneous delinquencies, which is damaging my payment history and credit standing. 

Additionally, Experian is reporting a XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, with a balance of {$5400.00}, listed as a charge-off. I have no knowledge of this account and have never authorized any such obligation. This account appears to be either unverified or completely inaccurate. 

I have already filed a formal dispute directly with Experian, clearly identifying these inaccurate and unverified items and requesting a reinvestigation in accordance with FCRA 1681i. Despite providing sufficient identifying details and supporting documentation, Experian failed to properly investigate or correct these errors within the 30-day statutory timeframe. The continued presence of these false and unverified accounts and addresses constitutes ongoing non-compliance with the Fair Credit Reporting Act. 

These inaccuracies are severely impacting my credit reputation, lowering my score, and preventing fair access to financial opportunities. Experians repeated failure to maintain the accuracy of my credit file is both negligent and unlawful under federal law. 

I am requesting that the Consumer Financial Protection Bureau investigate Experians handling of my disputes and compel them to : Conduct a complete reinvestigation of each disputed account and address. 

Provide documentation verifying my authorization or contractual connection to each account. 

Immediately delete any unverified, inaccurate, or unauthorized information. 

Provide me with written confirmation and an updated copy of my corrected credit report. 

Experians negligence in this matter has caused measurable financial harm and emotional distress, and I am seeking full compliance and accountability under the Fair Credit Reporting Act.

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