Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request assistance with inaccurate and unverified information appearing on my Experian credit report that has not been properly resolved through the normal dispute process. I am requesting that a lawful and complete reinvestigation be conducted so that only accurate and verifiable information remains on my credit file. 
An address listed as XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not my address. I have no knowledge of this address, I have never lived there, and it does not belong to me in any way. This address is inaccurate and must be fully removed from my Experian credit report. 
The XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX and reported with a {$0.00} balance, is showing late payment history. I am disputing the accuracy of the late payment reporting only. The reported late payments do not accurately reflect the true payment history for this account, and I am requesting a full reinvestigation and correction of any inaccurate late payment information. 
The XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$140.00} * *, is being reported with late payment history that is inaccurate. I am disputing the late payment reporting only and requesting that Experian conduct a proper reinvestigation and correct any inaccurate late payment information associated with this account. 
The XXXX  XXXX account ending in XXXX, opened on XX/XX/XXXX and reported as a charge-off with a {$0.00} balance, is not an account that I recognize. I have no knowledge of this account and do not acknowledge it as mine. I am requesting that this account be fully investigated and deleted or corrected if it can not be verified as accurate and attributable to me. 
The XXXX account ending in XXXX, opened on XX/XX/XXXX and reported as a collection with a balance of {$440.00}, is also not recognized by me. I have no knowledge of this account and do not acknowledge any responsibility for it. I am requesting a proper investigation and removal of this collection if it can not be verified. 
Additionally, credit inquiries listed from XXXX XXXX  dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, and XXXX OF XXXX XXXX dated XX/XX/XXXX were not authorized by me. I did not provide written permission or consent for these inquiries. I am requesting that these inquiries be reinvestigated and removed if they can not be verified as permissible. 
I respectfully request that the Consumer Financial Protection Bureau assist in ensuring that Experian conducts a complete and lawful reinvestigation and corrects or removes all inaccurate, unverified, or unauthorized information from my credit report. Only information that is complete, accurate, and verifiable should remain on my credit file.

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