Consumer complaint received 2025-12-24 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 submitting this complaint regarding inaccurate and unverifiable information currently appearing on my Experian credit report. Under the Fair Credit Reporting Act, Experian is required to report only information that is accurate and properly verified. Despite this obligation, my credit file continues to contain multiple items that are not mine, not recognized, or inaccurately reported. I am requesting a proper reinvestigation and correction or deletion of the following information. 
There is an address listed as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This address is not mine, I have no knowledge of it, and I have never lived at or received mail at this location. Experian must delete this address as it is inaccurately associated with my credit profile. 
Another address listed on my Experian report is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This address does not belong to me, I do not recognize it, and it must be removed immediately from my credit file. 
The account reported by XXXX XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, is reported with late payment history. The late payment reporting is inaccurate, and Experian must investigate and correct any incorrect payment history being reported. 
The account reported by XXXX XXXX  ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off with a high balance of {$850.00} is not accurate. I do not recognize this charge-off as reported, and Experian must either properly verify this account or remove it. 
The account reported by XXXX ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$760.00}. I do not recognize this account as reported, and I am requesting a full investigation with deletion if it can not be verified. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$430.00}. This reporting is inaccurate, and Experian must correct or delete this account following a lawful reinvestigation. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$940.00}. I do not recognize this account as reported, and I am requesting verification or deletion. 
The account reported by the XXXX XXXX XXXX XXXX Child Support ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off with a XXXX balance is not recognized. I have no knowledge of this account being reported in this manner, and it must be removed if it can not be properly verified. 
The account reported by XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is being reported with late payment history. The late payment information is inaccurate, and Experian must investigate and correct this reporting. 
The XXXX account ending in XXXX, opened on XX/XX/XXXX, is being reported as a charge-off with a high balance of {$500.00}. I do not recognize this charge-off and am requesting deletion if Experian can not verify its accuracy. 
The XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$11000.00}. I do not recognize this account as reported, and Experian must remove it if proper verification can not be provided. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, is reported as a charge-off with a high balance of {$16000.00}. This reporting is inaccurate and must be investigated, corrected, or deleted. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$730.00} is not mine and is not recognized. I am requesting deletion if Experian can not fully verify this collection. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$370.00} is not recognized and must be removed if unverifiable. 
The collection account reported by XXXX XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, with a high balance of {$1400.00} is not mine and must be deleted unless Experian can provide proper verification. 
The inquiry reported by XXXX XXXX on XX/XX/XXXX is not authorized by me. I did not apply for credit with this company, and this inquiry must be removed from my credit file. 
Experian is required under the Fair Credit Reporting Act to ensure maximum possible accuracy. I am requesting that the CFPB require Experian to conduct a lawful reinvestigation and promptly correct or delete all inaccurate information listed above.

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