Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding Experians continued reporting of inaccurate and unverified information on my credit file. Despite my rights under the Fair Credit Reporting Act, Experian is reporting items that are inaccurate, not properly verified, or reported without permissible purpose. I am requesting CFPB assistance to ensure Experian conducts a lawful and complete reinvestigation and corrects my credit report. 
Experian is reporting the account XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a reported high balance of {$570.00}, as having late payment history. This late payment reporting is inaccurate. I am disputing only the incorrect late payment information associated with this account and am requesting that Experian correct the reporting to reflect accurate payment history after a proper reinvestigation. 
Experian is also reporting the account XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, with a reported high balance of {$720.00}, as having late payment history. This reporting is inaccurate and does not reflect correct payment performance. I am not disputing the existence of the account itself, only the inaccurate late payment information, and I am requesting correction following a lawful reinvestigation. 
Additionally, Experian is reporting the account XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported high balance of {$1900.00}, as a charge-off. I have no knowledge of this account, I do not recognize it, and it is not mine. Since this account can not be verified as belonging to me, Experian must conduct a proper investigation and delete or correct this account as required by the Fair Credit Reporting Act. 
Experian is also reporting unauthorized hard inquiries on my credit file. The XXXX XXXXXXXX XXXX hard inquiry dated XX/XX/XXXX was not authorized by me and does not reflect permissible purpose. This inquiry must be removed unless Experian can provide documented proof of authorization. 
The XXXX XXXX XXXX hard inquiry dated XX/XX/XXXX was not authorized by me and must be deleted unless Experian can fully verify authorization and permissible purpose. 
The XXXX XXXX hard inquiry dated XX/XX/XXXX was not authorized by me and must be removed unless Experian can verify that it was initiated with my authorization and for a lawful purpose. 
I am requesting that the CFPB require Experian to comply with the Fair Credit Reporting Act by conducting a complete and lawful reinvestigation, correcting inaccurate late payment reporting, deleting unverifiable charge-off information, and removing unauthorized hard inquiries. If Experian can not fully verify any disputed item, it must be removed from my credit report. 
I respectfully request CFPB assistance to ensure this matter is resolved properly and that my credit report reflects only accurate, verifiable, and lawfully reported information.

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