Consumer complaint received 2025-11-17 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:
Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint because multiple inaccurate, unauthorized, and unverified items are being reported on my credit file. These accounts are causing severe harm to my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting immediate investigation, correction, and enforcement actions against the companies responsible. 
XXXX XXXX XXXX XXXX, FL Wrong Address This address has never been mine. I have no connection, residency, or association with this location. Reporting this address is a clear violation and indicates mixed file or identity issues. Remove this immediately. 
XXXX XXXX XXXX, FL XXXX Wrong Address I have never lived, worked, or used this address for any purpose. This is unsafe and inaccurate reporting. I request its immediate deletion. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$2200.00} Date Opened : XX/XX/XXXX Late Payment * * I am disputing the late payment history because I never made any late payments on this account. The reporting is inaccurate and misleading. I demand correction of the payment history to reflect accurate, on-time payments only. 
XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/XXXX Charge-Off * * I am disputing this account because I have no knowledge of this charge-off and do not recognize this debt. This account can not be verified and should be removed from my credit report immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$590.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reporting on this account is incorrect. I made all payments on time and never received any communication stating otherwise. Please correct this payment history immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment information is being falsely reported. I never made late payments on this account. Please correct the payment history to reflect accurate information. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$810.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment history reported is incorrect. I have never made any late payments on this account. This information is inaccurate and must be corrected immediately. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge-Off * * I have no knowledge of this account or any charge-off linked to it. This can not be verified and should be permanently removed from my credit file. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$860.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reporting is false. I made my payments on time and never received any delinquency notice. This must be corrected to show accurate payment history. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment status is not accurate. I never made any late payments on this account. Please update the payment history to reflect all on-time payments. 
XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Charge-Off * * I do not recognize this account or the alleged charge-off. I have no knowledge of this debt. I dispute this item in full and request deletion. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Charge-Off * * This charge-off is invalid. I have no knowledge of this account, nor do I acknowledge owing any debt to this creditor. This must be removed due to lack of verification. 
XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$620.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment information is not accurate. I always paid on time, and there is no record proving I was late. Please correct the payment status immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment status is being falsely reported. I did not make any late payments on this account. I request a correction under FCRA XXXX. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge-Off * * I have no knowledge of this account and no record of any relationship with this creditor. This charge-off is inaccurate, unverifiable, and must be deleted from my report. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is being inaccurately reported. I never made any late payments on this account. The information is wrong and must be corrected immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment status is incorrect and does not reflect my actual payment history. I never submitted late payments. Please update the payment history. 
XXXX Acct : XXXXXXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurate. My payments were made on time. The reported delinquency is false and must be corrected. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment * * This is also reported inaccurately. I did not make late payments for this account. I request immediate correction of the payment history. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reporting is wrong. I always paid on time, and this negative mark is causing harm. Please correct it. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurately reported. I never submitted a late payment on this account. Please update the history to reflect accurate, on-time payments. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge-Off * * I have no knowledge of this account. I do not recognize the creditor, the account number, or any alleged debt. Since this item can not be verified with original documentation, it must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  High Balance : {$340.00} Date Opened : XX/XX/XXXX Collection * * I have no knowledge of this collection account. I do not recognize this debt or any relationship with this creditor. This item is unverified and must be removed immediately. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX  High Balance : {$310.00} Date Opened : XX/XX/XXXX Collection * * I dispute this collection entirely because I have no knowledge of this debt. This account is not mine and can not be verified. Please delete it. 
XXXX XXXX XXXX : XX/XX/XXXX I did not authorize this credit inquiry. I had no application with this creditor. Remove this inquiry as it violates FCRA permissible purpose rules. 
XXXX XXXX XXXX Dated : XX/XX/XXXX I did not apply for any credit with this lender. This inquiry is invalid and must be deleted. 
XXXX XXXX XXXX XXXX : XX/XX/XXXX This inquiry was not authorized by me and is incorrectly reported. Please remove it from my file. 
REQUEST FOR ENFORCEMENT These companies are reporting accounts and inquiries without proper verification, which violates my rights under FCRA 602, 603, 611, and 615. I am requesting that the CFPB : 1. Investigate all listed accounts and inquiries 2. Require furnishers to provide original documentation proving these items belong to me 3. Remove any item that can not be fully verified 4. Take action against any company reporting inaccurate or unauthorized information 5. Ensure these errors do not continue to harm my credit profile I am attaching copies of my ID, proof of address, and credit report showing the disputed items.

Thank you for your assistance in resolving these violations.

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