Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate items currently appearing on my consumer credit reports. Despite my right to accurate reporting under the Fair Credit Reporting Act ( FCRA ), these errors continue to be reported and have not been properly corrected. 

Below are the specific inaccuracies requiring investigation, correction, and deletion where applicable. 

Incorrect Addresses ( Not XXXX Request Deletion ) The following addresses are not mine. I have no knowledge of these addresses, and they have no association with me. I am requesting immediate deletion of these addresses from my credit file : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX Late Payment Reporting ( Never Late Request Correction/Deletion ) The following accounts are reporting late payments. This reporting is inaccurate. I have never made a late payment on these accounts. I am requesting full verification and correction of the payment history. If accurate reporting can not be verified, these late payment notations must be deleted. 

XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX | High Balance : {$470000.00} XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX | High Balance : {$400.00} XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX | High Balance : {$27000.00} XXXX  ( Acct : XXXXXXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX | High Balance : {$20000.00} XXXX  XXXX  ( Acct : XXXXXXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX | High Balance : {$5000.00} XXXX  ( Acct : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX | High Balance : {$43000.00} Charge-Off Account Not Mine ( Request Investigation and Deletion ) The following charge-off account is reporting on my credit file. I have no knowledge of this account, and it does not belong to me. I am requesting a full investigation and deletion if ownership can not be verified. 

XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX | High Balance : {$710.00} | Status : Charge-Off Unauthorized XXXX  Inquiries ( Request Deletion ) The following XXXX  inquiries were not authorized by me. I did not apply for credit with these entities on the listed dates. These inquiries must be removed unless proof of authorization can be provided. 

XXXX XXXX XXXX XXXX  Duplicate ) JXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request for Resolution I am requesting that the CFPB ensure : A full reinvestigation of each disputed item Immediate correction or deletion of inaccurate information Written confirmation of all actions taken Compliance with the Fair Credit Reporting Act by all reporting entities I expect these inaccuracies to be resolved promptly and in accordance with federal law. 

Thank you for your attention to this matter.

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