Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple inaccurate, unverifiable, and potentially fraudulent entries that are severely harming my creditworthiness. My review of my credit file shows addresses, charge-offs, late payments, collections, and an inquiry that I have no knowledge of and can not verify. 

The addresses XXXX XXXX XXXX XXXX, XXXX, MN XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX are both incorrect and unrelated to me. I have never lived at these locations, and their presence suggests either a mixed file or identity theft. These errors undermine the accuracy and integrity of my credit report and mislead potential creditors. 

There are also several charge-off accounts that I do not recognize, including XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported high balance of {$8300.00} opened on XX/XX/XXXX, XXXX XXXX  account number XXXX with a reported high balance of {$12000.00} opened on XX/XX/XXXX, and XXXX XXXX account number XXXX with a reported high balance of {$31000.00} opened on XX/XX/XXXX. I have not received any original signed contracts or statements proving that these accounts belong to me or that the balances reported are accurate. Reporting these as valid charge-offs without verification is misleading, damaging, and in violation of federal law. 

Additionally, there are multiple late payments reported under DEPTEDXXXX account number XXXX, with balances and open dates including XX/XX/XXXX ( {$3500.00} ), XX/XX/XXXX ( {$3500.00} ), XX/XX/XXXX ( {$5500.00} ), and XX/XX/XXXX ( {$4300.00} ). I have not been provided with proper delinquency notices or any documentation proving these late payments are valid. Reporting unverifiable late payments is unfair, inaccurate, and damaging to my credit. 

There is also a collection account with XXXX XXXX account number XXXX, reported with a balance of {$180.00} opened on XX/XX/XXXX. I have no knowledge of this account, was never notified of this debt, and have never been provided documentation to verify it. Its reporting is fraudulent and harmful. 

Finally, there is an unauthorized inquiry from XXXX  XXXX XXXX dated XX/XX/XXXX. I did not authorize this inquiry and have no relationship with this entity. Experian is required to provide documentation of permissible purpose, and without such proof, this inquiry must be removed. 

I request that the Consumer Financial Protection Bureau investigate these issues and hold Experian accountable for its failure to verify, correct, and ensure the accuracy of the information in my credit file. The continued reporting of these false addresses, charge-offs, late payments, collections, and unauthorized inquiries is unfair, damaging, and in violation of federal law. I am requesting that all unverifiable and fraudulent items be permanently deleted and that Experian provide proof of compliance with the FCRA and other applicable laws.

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