Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am filing this complaint because ExperianXXXX are reporting multiple inaccurate, false, and unverified items on my credit report that are violating my rights under the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are harming me financially and personally, and despite having no knowledge or involvement with several of them, the bureaus continue reporting them without verification. I am requesting immediate investigation and enforcement action. 
WRONG ADDRESSES REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address, Never Lived There, Identity/Reporting Error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address , Never Lived There, Identity/Reporting ErroXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$80.00} Reported Issue : Late Payment My Dispute : This late payment history is 100 % false and inaccurate. I have never paid this account late and you must correct the payment history to reflect accurate reporting. This information violates FCRA 607 ( B ) and FCRA 611 because you are reporting unverified negative data. 
XXXX XXXX Acct XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Reported Issue : Late Payment My Dispute : This late payment is wrong and unverifiable. I did not make any late payment on this account and the furnisher has failed to provide proof. Reporting this false information is a violation of FCRA 602 ( A ), 611, and 609. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Reported Issue : Late Payment My Dispute : This late payment is inaccurate and must be corrected immediately. I always paid on time and no valid proof exists to support this negative entry. This account must be corrected to show a clean history. 
XXXX XXXX  Acct : XXXX  Date Opened : XX/XX/XXXX Balance : {$3300.00} Reported Issue : Late Payment My Dispute : This reported late payment is completely false and a violation of FCRA accuracy requirements. I never made any late payment and the reporting is damaging my credit unfairly. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Reported Issue : Charge Off My Dispute : I have no knowledge of this alleged charge-off and this account is not mine. I never opened this account and I dispute this as fraudulent/unverified. Under FCRA 611 and 609 ( a ) ( 1 ), you must delete this account immediately unless you provide full documented verification with signatures and contract copies.

These inaccurate and unverified items are causing severe harm, blocking my financial opportunities, and violating FCRA 1681e ( b ), 1681i, and the permissible purpose requirements under 1681b. I am requesting the CFPB to take action and require the credit bureaus and furnishers to verify, correct, or delete these accounts and inquiries immediately. I am also requesting documentation, verification records, and a full compliance report from the bureaus. 
I certify that all information in this complaint is true and correct.

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