Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14352410
Complaint Overview
Complaint ID: 14352410
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 90250
Date Received: 2025-06-28T12:00:00-05:00
Date Sent to Company: 2025-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Experian has willfully violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information, unverifiable derogatory accounts, and unauthorized hard inquiries on my credit report. Despite initiating disputes, Experian has failed to correct these errors or provide proper verification within the legally required timeframe. These inaccuracies have severely damaged my creditworthiness, interfered with my ability to secure financing, and caused me emotional and financial distress. I am requesting the CFPB to take immediate enforcement action against Experian for the following violations : 1. Inaccurate Addresses ( FCRA 602 ( a ), 607 ( b ) ) Experian is reporting addresses that have no connection to me, which misrepresents my identity and violates their duty to report accurate identifying information : XXXX XXXX XXXX XXXX XXXX XXXX Never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX No association with this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is completely unfamiliar These errors raise major concerns about Experians failure to implement reasonable procedures to ensure accurate consumer file matching, as required by FCRA 607 ( b ). 2. Unverifiable Derogatory Accounts Experian continues to report the following derogatory accounts without providing proper verification or validation, as required under FCRA 609 ( a ) and 611 ( a ) : CAF 4464 Reports late payments without providing any billing records, account statements, or payment history to validate the delinquency XXXX XXXX Reports duplicate entries with inconsistent data, inflating my debt and creating confusion XXXX XXXX XXXX XXXXXXXX Reports late payments despite being paid in full with a {$0.00} balance, which is materially misleading XXXX XXXX XXXX XXXXXXXX Reports a charge-off without validation or contract documentation, violating FCRA 609 XXXX XXXX XXXXXXXX A closed, {$0.00} balance account still showing late payments years later XXXX XXXX XXXX XXXXXXXX Reports a charge-off with {$0.00} balance and without providing proof of debt ownership Experian has failed to produce any documentation to validate these accounts. Under FCRA 611 ( a ) ( 5 ), if an item can not be verified during reinvestigation, it must be deleted. 3. Unauthorized Hard Inquiries ( FCRA 604 ( a ) ( 2 ), 604 ( f ) ) Experian allowed the following companies to access my credit report without my authorization, in violation of my rights : XXXX XXXX XXXX ( Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I never applied for credit with this company XXXX XXXX XX/XX/XXXX No permissible purpose ; no application made XXXX XXXX XXXX XXXX XX/XX/XXXX I never gave consent for this credit pull XXXX XXXXXX/XX/XXXX No application, no interaction with this company According to FCRA 604 , credit reporting agencies may only allow access to a consumers credit report with the consumers permission or a clearly defined permissible purpose. None of these inquiries meet that requirement.
Frequently Asked Questions
What is Complaint #14352410 about?
Complaint #14352410 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-28T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.