Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am filing this formal complaint because Experian is reporting multiple inaccurate, unauthorized, and fraudulent accounts and inquiries on my credit report even after I disputed them. These items are severely damaging my credit, causing emotional distress, financial harm, and multiple denials for credit and services. Under the Fair Credit Reporting Act ( FCRA ) 602, 607, 609, 611, and 623, a credit bureau must report only accurate and verifiable information, but Experian is failing to do so. The following accounts and inquiries DO NOT belong to me and are being reported without any legal basis, permission, or verification. I am requesting the CFPB to intervene and force Experian to remove all these inaccurate items immediately. 
WRONG ADDRESSES REMOVE IMMEDIATELY ( Never lived here, no connection, fraudulent & unverifiable ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address These addresses do not belong to me, I have never lived at these locations, never used them for employment, banking, credit applications, rental history, mailing, utilities, or any other purpose. These inaccurate addresses are causing mixed files and fraudulent data to appear on my report. Remove immediately under FCRA for unverifiable and inaccurate personal information. 
ACCOUNTS INVESTIGATE & FIX IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$16.00} CHARGE OFF * * I have no knowledge of this account. I never opened this account, never authorized it, never communicated with this company, and never had any financial relationship with them. This is either identity theft or mixed-file reporting. Under FCRA 611 & 623, delete this unverifiable account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$0.00} CHARGE OFF * * This account is reporting incorrect and false information. I never opened this account nor authorized anyone to use my identity. This data is harming my credit profile and does not belong to me. Delete immediately under FCRA accuracy standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$1400.00} LATE PAYMENT * * This late payment is inaccurate because I never made any late payments. This is an error, and I demand that the late payment history be corrected to Paid on Time / Never Late. I am not requesting deletion of the entire accountonly correction of the wrong reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$0.00} LATE PAYMENT * * This account is inaccurately reporting late payments. I have never been late on this account and this damaging data must be corrected to reflect perfect on-time history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$0.00} LATE PAYMENT * * The late payment being reported here is incorrect and harmful. I did not make a late payment. Update the history to reflect Never XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} LATE PAYMENT * * These reported late payments are false. I never missed or made a late payment on this loan. Correct the history to reflect accurate, on-time payment behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} LATE PAYMENT * * This is another duplicate inaccurate reporting with false late payments. This must be corrected immediately because I never paid late and this is damaging my score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} | CHARGE OFF * * I have no knowledge of this account. I never opened it, never authorized it, and never had any service with XXXX associated with this file. This is fraudulent or mixed-file reporting. Delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$1100.00} | CHARGE OFF * * This account does not belong to me. I never opened any auto loan with XXXX XXXX. I do not recognize this debt and it must be deleted immediately under FCRA accuracy and verification standards. 
XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$2600.00} | COLLECTION * * I have no knowledge of this account. I never authorized this debt and never had any account with this collector. Delete immediately under FCRA. 
XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$750.00} | COLLECTION * * I do not recognize this account. I never opened it, never owed this debt, and never gave permission to report it. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$1100.00} | COLLECTION * * This account is not mine and is reporting twice. I have no knowledge of either entry. These duplicate and fraudulent accounts must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} | COLLECTION * * I have no connection to this account. I never owed this debt and never authorized this reporting. Delete immediately. 
XXXX, XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$180.00} | CHARGE OFF * * This account does not belong to me. I have no knowledge of it and never opened any account with XXXX. Remove immediately. 
UNAUTHORIZED INQUIRIES REMOVE IMMEDIATELY | NEVER PERMITTED All the following inquiries dated XX/XX/XXXX and XX/XX/XXXX were not authorized by me for any credit application, auto loan, purchase, or service. I never gave permission to these companies to access my credit report. These inquiries are fraudulent and must be deleted immediately under FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry These inquiries are harming my score and creating false credit-seeking behavior. Remove immediately. 
I have repeatedly disputed these items, but Experian refuses to remove them, continues reporting false information, and is violating FCRA requirements for accuracy and proper verification. I am requesting the CFPB to take immediate action and force Experian to delete all the above fraudulent, inaccurate, duplicate, and unauthorized items from my credit file. These errors are causing credit denials, higher interest rates, emotional stress, and financial hardship. I am asking for full investigation and enforcement to ensure Experian complies with the law and corrects my 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