Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
I am submitting this complaint because several accounts and personal details listed on my Experian credit report are being reported inaccurately and have caused harm to my credit profile. I have made multiple attempts to correct these errors, but the inaccurate information continues to appear. These false entries are misleading, damaging to my credit standing, and in violation of the Fair Credit Reporting Act ( FCRA ). 

First, my credit report includes XXXX addresses that do not belong to me and have no connection to my personal or financial history. The addresses XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX are completely wrong and should never have been added to my file. Their presence suggests possible identity confusion or reporting errors that need immediate correction. 

Next, several accounts are showing false late payment information. The XXXX XXXX account number XXXX, opened on XX/XX/XXXX with a balance of {$1800.00}, is being reported with late payments that are not true. I have never made a late payment on this account, and this information is entirely inaccurate. Similarly, the XXXX XXXX XXXX account XXXX XXXX, opened on XX/XX/XXXX with a balance of {$290.00}, is also incorrectly reporting late payments. I have consistently maintained my account in good standing, and the reported delinquencies are false. 

In addition, my XXXX XXXX account number XXXX, opened on XX/XX/XXXX with a balance of {$0.00}, is showing a late payment, which is completely inaccurate since there is no outstanding balance on the account. This error is damaging to my credit report and must be corrected immediately. The same issue exists with my XXXXXXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX, which is falsely reporting a late payment. I have verified my payment history, and there is no record of any delinquency. 

Furthermore, there are multiple unauthorized credit inquiries listed on my report. These include XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, and XXXX  XXXX XXXX on XX/XX/XXXX. I never gave permission to any of these companies to access my credit report, nor do I have any relationship or application with them. These inquiries were made without my consent and have negatively impacted my credit score. 

These repeated inaccuracies including false late payments, unauthorized inquiries, and incorrect addresses show a clear failure in Experians duty to ensure the accuracy and integrity of the information they report. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that Experian and the data furnishers involved verify all of the above information with proper documentation. Any information that can not be verified beyond doubt must be deleted from my credit report immediately in compliance with federal law. 

I am seeking a full correction of all false late payment notations, removal of unauthorized inquiries, and deletion of all inaccurate addresses. I expect a formal investigation and confirmation once all errors have been corrected.

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