Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate and unauthorized items appearing on my credit report. I have already disputed these items with the credit bureaus, but they have failed to conduct a proper reinvestigation or provide verification from the original sources as required under FCRA 611 ( 15 U.S.C. 1681i ).

These errors continue to cause me financial harm, credit denial, and unnecessary stress. I am seeking your assistance to have these items permanently corrected or deleted. 
WRONG ADDRESSES XXXX XXXXXXXX XXXX XXXX XXXX  XXXX This address has never been mine. I never lived, worked, or received mail here. Please remove it from my credit file immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is an inaccurate address linked to my report in error. I never resided here or opened any account using it. 
LATE PAYMENT ACCOUNTS REPORTED IN ERROR XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Reported Issue : Late Payment I have no record of making any late payments on this account. Please verify your data source and correct this error. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Reported Issue : Late Payment This account shows false delinquency reporting. My payment history was always on time and consistent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Reported Issue : Late Payment The reported late payment is inaccurate and unsupported. The creditor has provided no proof of delay or default. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Reported Issue : Late Payment This listing damages my credit history unfairly. I request deletion or correction of the incorrect late mark under FCRA 1681i. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Issue : Late Payment This account was fully paid and closed in good standing. Any reported late payment is inaccurate and misleading. Please update to Paid as agreed. 
HARD INQUIRIES TO BE REMOVED XXXX XXXX XXXXXX/XX/XXXX I never authorized or consented to this inquiry. It violates FCRA 604 and should be deleted. 
Requested Resolution : XXXX. Immediate reinvestigation and permanent removal of the above-listed wrong addresses, false late payment accounts, and unauthorized inquiries. 
XXXX. Written confirmation from the credit bureaus that these items have been deleted or corrected. 
XXXX. Enforcement of FCRA compliance against the data furnishers and credit reporting agencies involved. 
I am submitting this complaint because the credit bureaus failed to act responsibly after multiple written disputes. I am requesting the CFPB to intervene and ensure full compliance with the Fair Credit Reporting Act. 
Thank you for your attention and assistance in restoring the accuracy and integrity of 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