Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am filing this complaint because Experian continues to report multiple inaccurate, false, and unverifiable items on my credit report, including wrong addresses, false late payments, unauthorized hard inquiries, and accounts that do not belong to me. These errors violate the Fair Credit Reporting Act ( FCRA ) and have caused significant harm to my creditworthiness. 
I have disputed these items, but Experian continues to report them inaccurately. I am requesting CFPB intervention to ensure full compliance with federal law. 
WRONG ADDRESSES REMOVE XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Wrong Address A repeated variation of an already incorrect address. This duplication proves the inaccuracy and misreporting. Delete permanently. 
XXXX XXXX XXXX Ter, XXXX, FL XXXX Wrong Address I have never had any personal, residential, billing, mailing, or employment connection to this address. Its listing is harmful and misleading. 
FALSE LATE PAYMENTS CORRECTION REQUIRED ( NOT DELETION ) Below accounts show false delinquencies which severely damage my creditworthiness. These late payments never occurred and must be corrected under FCRA 607 ( b ) and 611. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance : {$4900.00} Late Payment I was never late on this account. All payments were made on time according to the original schedule. This inaccurate reporting has affected my score and must be corrected to reflect an entirely positive payment history. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance : {$3400.00} Late Payment This late payment entry is completely false. I have reviewed my records and can confirm timely payments. This error must be corrected as it misrepresents my credit behavior. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance : {$3500.00} Late Payment I never missed a payment on this account. The reported delinquency is baseless and needs immediate adjustment to Paid as Agreed. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance : {$2900.00} Late Payment This late payment reporting is not valid. I submitted all dues within the required time frame. The account should reflect a clean history with no delinquencies. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance : {$1400.00} Late Payment This late payment is inaccurately posted. I made payments consistently on time according to my records. The history must be corrected. 
XXXX XXXX XXXX Opened XX/XX/XXXX High Balance : {$5900.00} Late Payment I dispute the late payment status. There was no instance where I fell behind. This false reporting must be corrected immediately to reflect accurate and timely payment history. 
XXXX. SYSTEM, XXXX Account XXXX Opened XX/XX/XXXX High Balance : {$270.00} Charge Off I do not recognize or have any knowledge of this account. I never opened it, authorized it, or interacted with this creditor. There is no documentation linking this account to me. This appears to be a case of mixed files or inaccurate reporting, and under FCRA 611 ( a ), it must be deleted immediately for being unverified and not belonging to me. 
XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX High Balance : {$1100.00} Collection This collection account is not mine. I never contracted any debt with this company nor authorized any services they claim. This is unauthorized and unverifiable. As required by FCRA 602 and 611, delete this collection from my report immediately. 
UNAUTHORIZED INQUIRIES REMOVE These inquiries were NOT authorized by me and violate permissible purpose under FCRA 604. I did not give consent, apply for credit, or initiate any process that would justify these hard pulls. 
XXXX XX/XX/XXXX Unauthorized Never applied. Remove. 
XXXX XXXX XX/XX/XXXX Unauthorized Duplicate and unapproved. 
XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized No permissible purpose. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized I did not authorize any credit check from this company. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Remove this inquiry. 
XXXX XXXX XX/XX/XXXX Unauthorized This was not authorized by me. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized Not mine and not permitted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized I did not authorize a credit pull. Remove. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Not connected to any application made by me. 
XXXX XX/XX/XXXX Unauthorized I never applied for this account or inquiry. 
Requested Resolution I request that CFPB require Experian to : 1. Remove all wrong addresses 2. Correct all false late payments to On-time / Never Late 3. Delete all accounts that do not belong to me 4. Remove all unauthorized inquiries XXXX. Provide written confirmation with an updated credit report TransUnion is in violation of multiple sections of the Fair Credit Reporting Act, and I am seeking CFPB enforcement to ensure full compliance.

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