Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate information currently appearing on my consumer credit report maintained by Experian. The items listed below are being reported inaccurately, without proper verification, and without a reasonable reinvestigation as required under the Fair Credit Reporting Act. I am requesting that Experian conduct a lawful and complete reinvestigation of each disputed item and correct or delete any information that can not be fully verified. 
The address XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX is not my address. I have no knowledge of this address, I have never resided at this location, and it does not belong to me in any capacity. Experian is reporting this address without proper verification, and I am requesting that this address be deleted from my credit file. 
The account reported as XXXX XXXX  XXXX, opened on XX/XX/XXXX, with a reported balance of {$150000.00}, is showing late payment history. The late payment information being reported is inaccurate and does not reflect correct payment history. Experian must conduct a reinvestigation and correct any inaccurately reported late payments on this account. 
The account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$6500.00}, is being reported with late payments that are inaccurate. This payment history is not being reported correctly and requires reinvestigation and correction. 
The account reported as XXXX, opened on XX/XX/XXXX, with an original balance of {$170000.00}, is also showing late payment history that is inaccurate. Experian has failed to ensure the accuracy of this reporting, and I am requesting correction of any incorrect late payment information following a proper reinvestigation. 
The XXXX account opened on XX/XX/XXXX, with an original balance of {$4100.00}, is being reported with late payments that are not accurate. This information must be fully reinvestigated and corrected to reflect accurate reporting. 
The account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$120.00}, is being reported as a charge-off. I do not recognize this account as being accurately reported, and Experian has not properly verified this information. I am requesting deletion or correction of this account based on the results of a lawful reinvestigation. 
The account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}, is also being reported as a charge-off. I have no knowledge of this account as reported, and the information being furnished is inaccurate. This account must be fully reinvestigated and deleted or corrected accordingly. 
The account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$1900.00}, is being reported as a charge-off. I do not recognize this account as mine, and it is being reported without proper verification. I am requesting deletion of this account if Experian can not verify its accuracy. 
The collection account reported by XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$900.00}, is not recognized by me. This collection is being reported inaccurately and must be reinvestigated and deleted if it can not be properly verified. 
The collection account reported by XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$680.00}, is also not recognized by me. This account is being reported without proper verification and must be removed if accuracy can not be established. 
Additionally, Experian is reporting several inquiries that I did not authorize or recognize, including inquiries by XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX. These inquiries are inaccurate and must be removed unless Experian can provide documentation showing a permissible purpose. 
Experian is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of all disputed information. I am requesting that the CFPB require Experian to comply with its obligations under the Fair Credit Reporting Act and correct or delete all inaccurate or unverifiable information listed above.

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