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 complaint because Experian is reporting multiple inaccurate, unverified, unauthorized, and harmful items on my credit report. These errors are violating my consumer rights, damaging my creditworthiness, and causing financial harm. Experian has failed to maintain accuracy, failed to properly investigate, and continues to report accounts and inquiries that do not belong to me. I am requesting CFPB intervention to force Experian to properly reinvestigate and remove all false items. Below are the specific accounts and issues. 
XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address does not belong to me, I have never lived here, never used it, never provided it to any creditor, and it is illegally attached to my file. I demand immediate deletion of this wrong address because it falsely connects me to unknown accounts and creates suspicion of identity mix-up. 
XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX WRONG ADDRESS I have zero connection to this address in any way. I never resided here and never authorized this information. This is harmful, misleading, and unacceptable. Remove it immediately because it violates accuracy requirements. 
XXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * The late payment reported is entirely false. I never made late payments, and the reporting is inaccurate, unsupported, and can not be verified with legitimate documentation. I demand correction of the payment history to show on-time payments because this negative mark is false and extremely damaging. 
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$310.00} * * This late payment never occurred. The creditor can not verify any legitimate evidence because I have never missed a payment. This reporting is unlawful, misleading, and must be corrected immediately. 
XXXXXXXX XXXX XXXX XXXX  LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This late payment status is false. I never submitted any late payments and the inaccurate reporting is harming my creditworthiness. Correct the history to reflect accurate on-time status. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CHARGEOFF Opened XX/XX/XXXX Balance {$510.00} * * I have no knowledge of this charge-off. I do not recognize this account, I never authorized it, I never signed for it, and no creditor can verify any lawful documentation linking me to it. Because the account is unverifiable, inaccurate, and unrecognized, it must be deleted immediately. 
XXXX XXXXXXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This late payment is reported in error. I never made late payments to this creditor. This reporting is inaccurate and can not be validated. I demand correction of the entire payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$110.00} * * This late payment is not accurate. I paid on time, and any negative reporting is unlawful and must be corrected. Correct the payment history to reflect accurate and timely payments. 
XXXX XXXXXXXX XXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This late payment never happened. It is a mistake, damaging my score, and must be corrected immediately. The creditor can not produce lawful proof. 
XXXX XXXXXXXX XXXX XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * I never made late payments. This inaccurate reporting is unlawful and must be immediately corrected to show on-time payments. 
XXXX XXXX LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This item is inaccurate. I made all payments on time, and there is no legitimate evidence that supports this negative reporting. I demand correction. 
XXXXXXXX XXXX XXXX XXXX CHARGEOFF Opened XX/XX/XXXX Balance {$260.00} * * I have no knowledge of this charge-off. I do not recognize it, did not authorize it, and never acknowledged it. Since the creditor can not verify this account with proper documentation, you must delete it immediately for being inaccurate and unverified. 
XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT Opened XX/XX/XXXX Balance {$0.00} * * This late payment is completely false. I never made any late payments and the creditor can not provide any legitimate documentation to support this negative reporting. This is an accuracy violation and must be corrected to reflect on-time payments. 
XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT Opened XX/XX/XXXX Balance {$38.00} * * This late payment never occurred. I did not miss any payment, and the reporting is inaccurate, misleading, and harmful. Since there is no lawful documentation proving this late payment, it must be corrected immediately. 
XXXX XXXX XXXX XXXX COLLECTION Opened XX/XX/XXXX Balance {$2100.00} * * I have no knowledge of this account. I never authorized it, never had any relationship with this creditor, and no verifiable documents exist linking me to this debt. Because it is unverified and inaccurate, it must be deleted immediately. 
XXXX XXXX XXXX XXXX COLLECTION Opened XX/XX/XXXX Balance {$4200.00} * * This account is not mine. I do not recognize it, never opened it, never agreed to it, and never authorized any charges. If the creditor can not provide legally acceptable proof, this item must be removed permanently for being inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. This was done without my approval and should be deleted immediately. 
XXXX XXXX XXXX XX/XX/XXXX This hard inquiry was performed without my consent. I did not apply for credit and it must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No application was submitted by me. Remove immediately. 
Experian has failed to provide verification, failed to correct errors, and continues to report multiple inaccurate and unauthorized accounts and inquiries. These items violate my consumer rights and are causing financial harm. I request the CFPB to force Experian to conduct a lawful reinvestigation, provide proof for every disputed item, and delete any information that can not be verified with legal documentation. I am requesting immediate intervention to correct these violations.

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