Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information that Experian is reporting on my credit file. Experian has a legal obligation under the Fair Credit Reporting Act to ensure that all information reported is accurate, complete, and properly investigated. At this time, my Experian credit report contains multiple items that do not meet these standards. 
My Experian credit report is reporting the address XXXX XXXX XXXX, XXXX, NY XXXX. This address is not mine, I have no knowledge of it, and I have never resided at or used this address. Its inclusion on my credit file is inaccurate and must be permanently deleted. 
My Experian credit report is also reporting the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This address does not belong to me, I have no association with it, and I have no knowledge of it. Experian must remove this incorrect address from my credit file. 
My Experian credit report is reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$5600.00}, showing late payment history. I dispute the accuracy of the late payment reporting on this account. The late payment history being reported is incorrect and does not accurately reflect my account history. Experian is required to conduct a proper reinvestigation and correct any inaccurate late payment information. 
My Experian credit report is also reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$5000.00}, showing late payment history. I dispute the accuracy of the late payment reporting on this account as well. This information is inaccurate and must be corrected following a complete and lawful reinvestigation. 
My Experian credit report is reporting XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$2300.00}, listed as a charge-off. I have no knowledge of this account, I do not recognize it, and it does not belong to me. Experian is required to conduct a reasonable investigation, and if this account can not be properly verified, it must be deleted from my credit file. 
My Experian credit report is reporting the inquiry XXXXXXXX XXXX XXXX dated XX/XX/XXXX. I did not authorize this inquiry, and it is being reported inaccurately. This inquiry must be removed unless Experian can provide proper verification. 
My Experian credit report is also reporting an inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I did not authorize this inquiry and have no knowledge of it. This inquiry is inaccurate and must be deleted. 
My Experian credit report is further reporting the inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me and does not belong on my credit report. Experian must remove this inquiry unless it can be properly verified. 
I am requesting that Experian comply fully with its obligations under the Fair Credit Reporting Act by conducting a complete and lawful reinvestigation of each disputed item listed above, correcting any inaccurate information, and deleting any information that can not be properly verified. I expect written confirmation of the results of this investigation and an updated copy of my corrected Experian credit report.

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