Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding Experians continued reporting of inaccurate, unverifiable, and unauthorized information on my credit report. I have reviewed my Experian file and identified multiple items that are being reported incorrectly, including an address that is not mine, accounts with inaccurate late payment history, accounts listed as charge-offs that I have no knowledge of and do not recognize as mine, and an inquiry that I did not authorize. Despite my right to accurate reporting under the Fair Credit Reporting Act, these items remain on my credit file and require a proper reinvestigation. 
Experian is reporting the address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on my credit report. This address is not mine, I have no knowledge of it, and it has no connection to me. Its presence on my credit file is inaccurate and must be deleted. 
Experian is reporting late payment history on the following accounts : XXXX  XXXX account XXXX opened on XX/XX/XXXX, XXXX account XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX Bank account XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX, and XXXX XXXX  account XXXX opened on XX/XX/XXXX. The late payment history being reported on these accounts is inaccurate. I am disputing only the incorrect late payment reporting on these accounts and requesting that Experian conduct a proper reinvestigation and correct any inaccurate payment history. I am not requesting deletion of these accounts, only correction of inaccurate information. 
Experian is also reporting several accounts as charge-offs that I do not recognize, have no knowledge of, and that do not belong to me. These include XXXX XXXX account XXXX opened on XX/XX/XXXX, XXXX XXXX account XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX account ending in XXXX opened on XX/XX/XXXX, and XXXX XXXX account XXXX opened on XX/XX/XXXX. These accounts are being inaccurately associated with my credit file. I am requesting that Experian conduct a full and lawful investigation and delete these accounts if they can not be fully verified as accurate and belonging to me. 
Additionally, Experian is reporting a XXXX XXXX inquiry dated XX/XX/XXXX that I did not authorize. This inquiry is inaccurate and must be removed if Experian can not provide proper validation showing that I initiated or authorized it. 
I am requesting that the CFPB require Experian to comply with the Fair Credit Reporting Act by conducting a reasonable and thorough reinvestigation of all disputed items, correcting inaccurate information, and deleting any address, account, or inquiry that can not be fully verified. I am requesting written confirmation of the results of this investigation and an updated, accurate credit report once corrections and deletions are completed

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