Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because Experian is reporting multiple inaccurate items on my credit file, including wrong addresses, false late payment notations, and unauthorized hard inquiries. These errors violate the Fair Credit Reporting Act ( FCRA ) and continue to harm my creditworthiness. 
WRONG / UNAUTHORIZED ADDRESSES XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX WRONG ADDRESS I have never lived at this apartment nor been connected to anyone who resides there. Its appearance on my report suggests incorrect matching of another consumers data to mine. This is a serious reporting error and must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX  TX XXXX WRONG ADDRESS I have no association with this property. This type of inaccuracy can lead to misidentification and violates FCRAs obligation for accurate consumer data. I demand immediate deletion of this address. 

LATE PAYMENT ACCOUNTS These accounts should NOT be deleted. Only the FALSE late payments must be corrected. 
XXXX XXXX XXXXcct : XXXXXXXX XXXX  Opened : XX/XX/XXXX Balance : {$240000.00} FALSE LATE PAYMENT I have never been late on this mortgage account. The reported late payments are factually inaccurate and damaging. I request a line-by-line verification from the furnisher under FCRA 623 ( a ) ( 2 ) and correction of the payment history. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$11.00} FALSE LATE PAYMENT This account has always been paid as agreed, and no delinquency occurred. The current reporting is an error and must be corrected to reflect paid-on-time status. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$490.00} FALSE LATE PAYMENT This late payment entry is an error. I request correction supported by proper documentation from the furnisher. The accuracy obligation applies under FCRA XXXX ( b ). 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$32000.00} FALSE LATE PAYMENT I never missed a payment. This inaccurate reporting harms my creditworthiness and violates FCRA 623 ( a ) ( 1 ). Correct the payment history. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$34000.00} FALSE LATE PAYMENT There were no late payments on this auto loan. This error must be corrected as it is misleading and unverified. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} FALSE LATE PAYMENT This account was never delinquent. Reporting a late payment is incorrect. Update the payment history accordingly. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5900.00} FALSE LATE PAYMENT This federal loan was never late, and the current reporting is incorrect. I request verification and correction under FCRA 623 ( b ). 
Regional Acceptance Acct : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$26000.00} FALSE LATE PAYMENT This account has inaccurate late payment information. I am requesting a full reinvestigation, as the data is incorrect and misleading. 
UNAUTHORIZED HARD INQUIRIES These inquiries were never authorized by me. I did not apply for credit with these entities on the dates listed below. Under FCRA 604 ( a ), a hard pull requires my direct, written, or digital authorization. These inquiries violate federal law. 
Each of the following must be removed immediately : XXXX XXXX XXXX XXXX XX/XX/XXXX I never applied for any loan or credit with them. 
XXXX XXXX XXXX XX/XX/XXXX XXXX application was submitted ; this pull is unauthorized. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not give consent for this inquiry. 
XXXX XXXX XX/XX/XXXX Each one is unverified, not authorized, and must be deleted. 
WHAT I AM REQUESTING FROM THE CFPB I am asking the Consumer Financial Protection Bureau to : 1. Require Experian to delete all incorrect addresses 2. Require Experian to correct all false late payment notations 3. Require Experian to remove all unauthorized inquiries 4. Require a full reinvestigation as mandated under FCRA 611 5. Provide me with written proof and updated reporting once corrections are completed TransUnion has failed to maintain maximum possible accuracy under FCRA 607 ( b ), and I am seeking CFPB assistance to enforce compliance. 
Thank you for your time and attention to this matter.

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