Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information being reported on my Experian credit report. Despite my right to accurate credit reporting under the Fair Credit Reporting Act, the items described below continue to appear on my credit file and reflect failures in maintaining reasonable procedures to ensure maximum possible accuracy. 
Experian is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on my credit report. This address is not mine, I have no knowledge of it, and it has never been associated with me. The continued reporting of an address that does not belong to me demonstrates inaccurate file maintenance, and I am requesting that this address be permanently deleted from my credit file. 
In addition, Experian is reporting multiple student loan accounts under XXXX XXXX with inaccurate late payment history. The account numbered XXXX, opened on XX/XX/XXXX, with a high balance of {$4900.00}, is reporting late payments that do not accurately reflect my true payment history. I am disputing only the inaccurate late payment information and requesting correction based on proper verification. 
The XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$3400.00}, is also reporting late payments inaccurately. This late payment history is not correct and should be corrected following a lawful reinvestigation. 
Another XXXX XXXX account, XXXX, opened on XX/XX/XXXX, with a high balance of {$3500.00}, contains late payment entries that are inaccurate. I am disputing only the late payment history and requesting correction based on verified records. 
The XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$2900.00}, is reporting late payments that are not accurate. This information should be corrected after proper investigation. 
There is also an XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$1400.00}, reporting inaccurate late payment history. I am disputing this reporting and requesting that the late payment information be updated to reflect accurate data. 
Additionally, XXXX XXXX account XXXX, opened on XX/XX/XXXX, with a high balance of {$5900.00}, is reporting late payments that are inaccurate and not properly verified. I am requesting correction of the late payment history only. 
My Experian credit report also reflects several inquiries that I did not authorize, did not apply for, and do not recognize. These include inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX  all dated XX/XX/XXXX, as well as XXXX  dated XX/XX/XXXX. The reporting of unauthorized inquiries indicates a failure to verify permissible purpose, and these inquiries should be deleted if they can not be properly substantiated. 
These ongoing inaccuracies demonstrate a failure to conduct reasonable reinvestigations and ensure accurate reporting. I am requesting that the CFPB review this matter and require Experian and the furnishers involved to either correct the inaccurate information or delete any item that can not be fully verified in accordance with the Fair Credit Reporting Act. I also request 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