Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my Experian credit report dated XX/XX/XXXX and found multiple errors and unauthorized entries. Two former addresses ( XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) are still listed on my report even though I have not lived there for some time. Several account tradelines contain inaccurate or unverifiable negative information : XXXX XXXX XXXX XXXX auto loan ( XXXX XXXXXXXX ) : This account is reporting a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. I dispute these delinquencies, as they are inaccurate. Experian has not provided any documentation such as a signed agreement, payment logs, or billing records to support these late-payment notations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These accounts were opened in XX/XX/XXXX and XX/XX/XXXX. Both are reporting 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, despite my making payments on time. There is no documentation provided to substantiate the delinquencies. 

DEPT OF ED/XXXX  student loans : Multiple student-loan tradelines with balances of {$5000.00}, {$2000.00}, {$1700.00}, {$3500.00}, {$6800.00}, {$6400.00}, {$1200.00}, {$3500.00}, {$6500.00}, {$5500.00} and {$4500.00} show past late-payment notations even though these loans are in official federal deferment until XXXX. Deferred loans must be reported as current under federal regulations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reported as a charge-off with a balance of {$1400.00}. I dispute this account due to lack of proof of ownership. Experian has not produced any signed contract or payment history. 

XXXX XXXX XXXX credit card ( XXXX XXXXXXXX ) : Listed as a charged-off credit card with a high balance of {$350.00}. There is no documentation verifying that this account belongs to me. 

XXXX XXXX charge-off ( {$270.00} ) : This account is reporting a charge-off status, but Experian has not provided any verification of the debt or proof that I am the responsible party. 

XXXX XXXX collection ( {$920.00} ) : This account is reporting as a collection. I dispute the accuracy of this tradeline and request validation. 

I also saw a long list of hard inquiries that I did not authorize. These inquiries span from XXXX through XXXX and include, for example : XXXX XXXX inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXXt XXXX  inquiry on XX/XX/XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquiry XXXX XX/XX/XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  inquiries on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX  inquiry on XX/XX/XXXX XXXX  XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX Cap XXXX XXXX  inquiry on XX/XX/XXXX These unauthorized inquiries remain on my report and are damaging my credit. 

I wrote to Experian requesting a manual reinvestigation as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), but they continue to use automated e-OSCAR responses. No proof of my authorization has been provided for the inquiries, nor have they produced contracts or billing statements for the disputed accounts.

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