Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information that Experian is reporting on my consumer credit file. Experian has a legal obligation under the Fair Credit Reporting Act to ensure maximum possible accuracy, yet my credit report continues to contain information that is incorrect, not mine, or has not been properly investigated. 

Experian is reporting the address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX on my credit report. This address is not mine, I have no knowledge of it, and I have never lived at or been associated with this location. The continued reporting of this address is inaccurate, and Experian must delete it from my credit file immediately. 

Experian is reporting a XXXX XXXX XXXX account opened on XX/XX/XXXX, showing a charge-off status with a reported high balance of {$0.00}. I have no knowledge of this account, I do not recognize it, and it is not mine. Experian must conduct a proper investigation and delete this account unless it can provide competent evidence that this account belongs to me and is being reported accurately. 

Experian is reporting a XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported high balance of {$2500.00}, showing late payment history. The late payment information being reported on this account is inaccurate and does not reflect correct or verified payment history. I am disputing only the late payment reporting and requesting that Experian correct or remove any late payment information that can not be fully verified. 

Experian is reporting a XXXX XXXX account opened on XX/XX/XXXX with a reported high balance of {$660.00}, showing late payment history. The late payment information reported on this account is inaccurate. I am not disputing the account itself, only the incorrect late payment reporting, and I am requesting correction or removal of any late payment history that can not be substantiated. 

Experian is also reporting another XXXX XXXX account opened on XX/XX/XXXX with a reported high balance of {$660.00}, showing late payments. The late payment history on this account is inaccurate and does not reflect correct payment behavior. Experian must reinvestigate this reporting and correct or remove any inaccurate late payment information. 

Experian is reporting a XXXX XXXX account opened on XX/XX/XXXX with a reported high balance of {$33000.00}, showing late payment history. The late payment reporting on this account is inaccurate and not properly verified. I am requesting correction or deletion of any late payment information that can not be fully validated through a reasonable reinvestigation. 

Experian is reporting a XXXX XXXX XXXX account opened on XX/XX/XXXXXXXX  with a reported balance of {$630.00}, listed as a collection account. I have no knowledge of this account, I do not recognize it, and it is not mine. If Experian can not verify this account with valid documentation, it must be deleted immediately. 

Experian is also reporting a XXXX XXXX account opened on XX/XX/XXXX with a reported balance of {$1300.00}, listed as a collection account. I do not recognize this account, have no knowledge of it, and it is not mine. Experian must delete this account if it can not be properly verified. 

Experian is reporting a XXXX XXXX XXXX  inquiry dated XX/XX/XXXX on my credit report. I did not authorize this inquiry, have no knowledge of it, and did not provide permissible purpose for it. This inquiry is inaccurate and must be removed. 

Experian is reporting an XXXX inquiry dated XX/XX/XXXX XXXX I did not authorize this inquiry, do not recognize it, and did not provide permissible purpose. Experian must delete this unauthorized inquiry. 

Experian is also reporting a XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX that I did not authorize or consent to. This inquiry lacks permissible purpose and must be removed from my credit file. 

Experian is reporting a XXXX XXXX XXXX inquiry dated XX/XX/XXXX that I did not authorize and do not recognize. This inquiry is inaccurate and must be deleted unless Experian can provide proof of permissible purpose. 

Experian is required to conduct a reasonable reinvestigation and ensure that only complete, accurate, and verifiable information is reported. I am requesting deletion of the incorrect address, correction or removal of inaccurate late payment history, deletion of all unverifiable collection and charge-off accounts, and removal of all unauthorized inquiries. 

I am requesting written confirmation once these corrections and deletions have been completed.

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