Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
I am submitting this complaint because my Experian credit report contains serious inaccuracies that are harming me financially and violating my rights under the Fair Credit Reporting Act. Despite my efforts to correct these errors, Experian has continued to report false, unverifiable, and misleading information that does not belong to me. 

My credit file is showing wrong addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and XXXX XXXX XXXX, XXXX, MD XXXX XXXX The inclusion of addresses that are not mine is misleading and creates confusion in my credit profile. 

Several accounts are being reported with inaccurate or false payment histories, charge-offs, or collections. For example, XXXX # XXXX XXXX XXXX opened XX/XX/XXXX with a {$0.00} balance, is being reported with late payments * *, which is inconsistent and damaging. XXXX # XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$620.00}, is also being reported with late payments * * that I dispute as inaccurate. XXXX XXXX # XXXXXXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$750.00}, is being reported as a charge-off * * that I do not recognize or acknowledge. 

Additionally, XXXX # XXXXXXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$0.00}, is being reported as a charge-off * *, which makes no sense since a charge-off can not exist with a XXXX balance. Another account, XXXX XXXX # XXXXXXXX XXXX XXXX, opened XX/XX/XXXX with a {$0.00} balance, is also reported as a charge-off * *, which is misleading and inaccurate. I also see a collection account, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX. ) # XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$680.00} * *, that I do not recognize and which has not been validated. Furthermore, XXXX # XXXXXXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1600.00}, is listed as a charge-off * *, which is inaccurate and disputed. 

My Experian report also shows unauthorized inquiries from XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. These were not authorized by me and should not appear on my report. 

The continued presence of these wrong addresses, false late payments, invalid charge-offs, unverified collections, and unauthorized inquiries demonstrates a failure by Experian and the furnishers of information to maintain accuracy and compliance with the law. The Fair Credit Reporting Act requires that all reported information must be accurate, fair, and verifiable, yet my credit file contains multiple violations that have caused me harm in obtaining fair credit opportunities. 

I am requesting immediate corrective action, including full reinvestigation of each of the accounts, removal of all unverifiable information, and deletion of all wrong addresses and unauthorized inquiries. I ask the Consumer Financial Protection Bureau to ensure Experian complies with its legal obligations and protects my rights as a consumer.

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