Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint against the credit reporting agencies and the data furnishers listed below for multiple FCRA violations, including inaccurate reporting, mixed-file errors, unauthorized inquiries, false late payment reporting, and the attachment of addresses that have never belonged to me. These issues have caused serious harm to my financial life, including credit denial, emotional distress, and reputational damage. I am requesting a full investigation into these violations and immediate corrective action. 
WRONG ADDRESSES NEVER BELONGED TO ME AND MUST BE REMOVED IMMEDIATELY XXXX MOORING LINE XXXX XXXX XXXX, FL XXXX Wrong Address Mixed file error, I do not recognize this address, never lived here, never had mail here, and this must be removed immediately. 
ACCOUNTS REPORTING INACCURATE LATE PAYMENTS I NEVER PAID LATE XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Late Payment This account is reporting false late payments. I have never paid late. This is an inaccurate payment history and violates FCRA XXXX ( b ). I am requesting correction of the payment history to reflect on-time payments only. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Late Payment I never paid late on this account and the reporting is inaccurate. This false derogatory history is damaging my credit and must be corrected. 

XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This is also falsely reporting late payments. I never authorized late reporting, never paid late, and I demand an immediate correction. 
UNAUTHORIZED / HARD INQUIRIES I DID NOT PERMIT THESE & THEY MUST BE REMOVED XXXX XXXX XXXX XX/XX/XXXX Inquiry Not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX Not authorized XXXX XXXX XX/XX/XXXX Inquiry Not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX Not authorized XXXX MORTGAGE XX/XX/XXXX Inquiry Not authorized XXXX XXXX XX/XX/XXXX Inquiry Not authorized XXXX BANK XX/XX/XXXX Inquiry Not authorized XXXX XXXX  XXXX XX/XX/XXXX Inquiry Not authorized These inquiries were never authorized by me, I did not apply for credit with these companies, and their presence proves a mixed file or unauthorized access. Under FCRA Section 604, a creditor must have permissible purpose to pull my credit. These inquiries do not meet the permissible purpose requirement and must be deleted. 
I am requesting the CFPB to force the credit bureaus and the data furnishers to correct or delete all inaccurate information, remove all wrong addresses, correct the false late payments, and delete all unauthorized inquiries. I am requesting a full investigation and written confirmation of the actions taken. These continued violations of FCRA 602A, 604, 607 ( b ), 609 ( a ), and 611 have caused significant financial and emotional harm. I am asking for immediate regulatory intervention.

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