Consumer complaint received 2025-12-25 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 and unverified information that Experian is reporting on my consumer credit file. Experian has failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act, and I am requesting that the CFPB require Experian to conduct a proper reinvestigation and correct or delete the inaccurate information described below. 
The address listed as XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX is not mine. I have no knowledge of this address, have never resided there, and did not provide it to any creditor. This address is inaccurately associated with my credit file and must be deleted. 
The address listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX is also not mine. I do not recognize this address and have no association with it. Experian must remove this address from my credit report. 
The account reported as XXXX XXXXXXXX, opened on XX/XX/XXXX and showing a charge-off with a high balance of {$3300.00}, is not an account I recognize. I have no knowledge of this account, and Experian has not provided proper verification establishing that it belongs to me. This account must be deleted unless accurate verification is produced. 
The account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$540.00}, contains inaccurate late payment history. Experian must correct the late payment reporting to reflect only information that can be fully verified and is accurate. 
The account reported as XXXX XXXXXXXX, opened on XX/XX/XXXX and reported as a charge-off with a high balance of {$940.00}, is not an account I recognize. I dispute ownership of this account and request deletion due to lack of proper verification. 
Multiple accounts reported under DEPTEDXXXX XXXXXXXX contain inaccurate late payment histories. These include accounts opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with various reported balances. The late payment information associated with these accounts is inaccurate and must be corrected to reflect only verified and accurate payment history. 
The account reported as XXXX XXXXXXXX, opened on XX/XX/XXXX with a high balance of {$3000.00}, contains inaccurate late payment reporting. Experian must correct any unverified late payment history associated with this account. 
The account reported as XXXX XXXX, opened on XX/XX/XXXX and reported as a charge-off with a high balance of {$550.00}, is not an account I recognize. I dispute this account entirely and request deletion unless proper verification is provided. 
The account reported as XXXX XXXX XXXX  XXXX, opened on XX/XX/XXXX with a high balance of {$18000.00}, contains inaccurate late payment reporting. Experian must correct this account to reflect only accurate and verifiable payment history. 
The account reported as XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX and reported as a charge-off with a high balance of {$17000.00}, is not an account I recognize. This account must be deleted due to lack of verified ownership. 
The collection account reported as XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$890.00}, is not an account I recognize. Experian has not provided proper verification, and this collection must be deleted. 
The collection account reported as XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$940.00}, is not an account I recognize. This collection is inaccurate and must be deleted unless verified. 
The collection account reported as XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$550.00}, is not an account I recognize and must be deleted due to lack of proper verification. 
The collection account reported as XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$5100.00}, is not an account I recognize. Experian must delete this account unless it can be properly verified. 
I am requesting that the CFPB require Experian to comply fully with the Fair Credit Reporting Act by conducting a lawful reinvestigation, removing all unverified addresses, correcting inaccurate late payment histories, and deleting any accounts or collections that can not be properly verified as belonging to me.

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