Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate and misleading items that are being reported on my credit file by Experian. These entries are damaging my credit standing and do not accurately represent my credit history. Despite my efforts to dispute and correct these issues, Experian continues to report false, unverifiable, and misleading information. I am seeking a fair and lawful resolution under the Fair Credit Reporting Act ( FCRA ). 

The address XXXX XXXX XXXX XXXX, LA XXXX is being reported on my credit profile, but this address does not belong to me and I have no connection to it. This false address is misleading and needs to be permanently deleted from my Experian credit file. 

The account XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$3800.00}, is being inaccurately reported with a late payment status. I have never been late on this account and have made all payments on time. This false reporting is a clear violation of the FCRAs accuracy standards and must be corrected immediately. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$18000.00}, and the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}, are both being reported with late payments that never occurred. I have always made timely payments to XXXX XXXX XXXX XXXX and have never been delinquent. These accounts are being reported inaccurately, and this false information is harming my credit reputation. 

The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00}, is being reported as a charge-off. I have no knowledge of this charge-off, have never received any valid documentation verifying such a status, and have never been notified of any charge-off action. This inaccurate and unverifiable information should be deleted from my credit report. 

The account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1500.00}, is being listed as a collection account. I have no knowledge of this company, and I have never authorized or established any account with them. This collection account is completely false and must be deleted as it violates the FCRAs requirement for accuracy and verifiability. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$87.00}, is being reported as charged off. I have no knowledge of this account being charged off, and this claim has not been verified with any supporting documentation. This false and misleading reporting must be removed immediately. 

Additionally, there are multiple unauthorized credit inquiries that were not initiated or approved by me. These include XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and another XXXX XXXX inquiry dated XX/XX/XXXX. I did not authorize these inquiries, and they should not appear on my credit file. These unauthorized inquiries are a violation of my consumer rights and should be removed immediately. 

All of these inaccurate accounts and inquiries violate the Fair Credit Reporting Act 602, 607 ( b ), and 611, which require Experian to maintain maximum possible accuracy, to verify disputed items properly, and to delete or correct unverifiable information. I am requesting that the Consumer Financial Protection Bureau conduct a full review and ensure Experian complies with federal law by correcting or deleting all inaccurate, unverifiable, and misleading information from my credit report. 

I am seeking a fair resolution to this issue so that my credit history accurately reflects only verified and lawful information. These repeated reporting errors are unjust, harmful, and unlawful, and I respectfully request immediate corrective action through the XXXX oversight and enforcement process.

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