Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information and account reporting that Experian continues to maintain on my consumer credit file. The items listed below are not being reported accurately or have not been properly verified as required under the Fair Credit Reporting Act, and I am requesting a full reinvestigation, correction, or deletion where applicable. 

Experian is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit file. This address is not mine, I have no knowledge of it, and it has no association with me. I am requesting that Experian delete this address from my credit report immediately. 

Experian is also reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file. This address is not mine, I do not recognize it, and I have no knowledge of it. I am requesting that this address be deleted from my credit file. 

Experian is reporting a XXXX XXXX account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$140000.00}, showing late payment history. The late payment reporting is inaccurate and does not correctly reflect the actual payment history of the account. I am disputing the accuracy of the late payment reporting only and requesting that Experian conduct a proper reinvestigation and correct any inaccurate late payment information. 

Experian is also reporting a XXXXXXXX XXXXXXXX. account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$350000.00}, showing late payments. The late payment history being reported is inaccurate. I am disputing the late payment reporting only and requesting that Experian verify the accuracy of this information and correct any errors found. 

Additionally, Experian is reporting a XXXX account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX with a high balance of {$350000.00}, showing late payments. This late payment information is inaccurate and does not properly reflect the account history. I am requesting a full reinvestigation and correction of any inaccurate late payment reporting associated with this account. 

Experian is reporting a XXXX XXXX  account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$1000.00}, listed as a charge-off. I have no knowledge of this account and do not recognize it as belonging to me. Experian has not provided proper verification of this account, and I am requesting that it be deleted unless full and lawful verification can be produced. 

Experian is reporting an XXXX  XXXX account ( XXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$590.00}, listed as a charge-off. I do not recognize this account and have no knowledge of it. This account has not been properly verified, and I am requesting deletion if Experian can not provide full verification. 

Experian is also reporting multiple XXXX  XXXX accounts, including XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$0.00}, XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$0.00}, XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$0.00}, XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$0.00}, and XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$0.00}, all listed as charge-offs. I have no knowledge of these accounts and do not recognize them as mine. These accounts have not been properly verified, and I am requesting that each be deleted unless Experian can provide full verification in compliance with the law. 

Lastly, Experian is reporting a XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX with a high balance of {$600.00}, listed as a charge-off. I do not recognize this account and have no knowledge of it. Experian must either properly verify this account or delete it from my credit file. 

I am requesting that the CFPB require Experian to conduct a lawful reinvestigation of all items listed above, delete any addresses that do not belong to me, correct any inaccurate late payment reporting, and remove any accounts that can not be fully verified in accordance with the Fair Credit Reporting Act.

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