Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This is my formal complaint regarding multiple inaccurate, false, and unauthorized items being reported on my Experian, XXXX XXXX XXXX  credit files. These issues include incorrect late payment reporting and unauthorized hard inquiries. I have already disputed these items with the credit bureaus under FCRA 611, 607 ( B ), and 602 ( B ), but the bureaus have failed to correct the errors. I am requesting CFPB intervention because these false items are damaging my creditworthiness, blocking financial opportunities, and violating federal reporting laws. 
WRONG ADDRESS REPORTING REMOVE IMMEDIATELY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX I have never resided here. Reporting false addresses is a direct violation of FCRA accuracy requirements. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no association with this property. This incorrect address increases identity theft concerns. 

LATE PAYMENT ACCOUNTS REPORTING INCORRECTLY CORRECT IMMEDIATELY ( I NEVER PAID LATE ) WFBNA HL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account has inaccurate late payment reporting. I never missed or submitted a late payment. Under FCRA 607 ( B ), furnishers must maintain maximum accuracy. Correct this immediately and update my payment history to reflect ON-TIME payments only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is falsely showing late payments. I dispute all late marks because they are inaccurate and unverified. Correct immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} This account is reporting late payment information that is fully incorrect. I maintain proof of on-time payment history. Update the trade line and remove all derogatory information now. 

XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account never had a late payment from me. Under FCRA 611, furnishers must verify data, and if they can not, they must remove it. Correct this reporting immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} This account is showing false late payment data. I never paid XXXX late. This false reporting is damaging my creditworthiness, and I demand correction under FCRA 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} I dispute all late payment entries. I never submitted a late payment and demand correction to show on-time historical reporting. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is inaccurately reporting late payments. I demand immediate correction because late payment history is wrong and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} This account is reporting late payments that are 100 % inaccurate. I never paid late, and these derogatory marks violate FCRA 607 ( B ) because they are not maximally accurate. Correct the payment history immediately. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} False late payment reporting. I never submitted a late payment. The furnisher must verify or delete under FCRA 611 ( a ). Update this account to show on-time payment history only. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$48000.00} This account is wrongly reporting late payments. I strongly dispute this. These negative entries are harming my creditworthiness and must be corrected immediately under FCRA accuracy requirements. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This trade line inaccurately shows late payments. I never paid late, and you must correct this immediately. Failure to verify requires removal. 
UNAUTHORIZED / IMPROPER HARD INQUIRIES REMOVE IMMEDIATELY GLOBAL LENDING SERVICE XX/XX/XXXX Not authorized. I demand removal. 

XXXX XXXX XXXX  XX/XX/XXXX I never requested credit with them. Remove. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is not mine. Must be deleted. 

XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Remove at once. 

XXXX XXXX XX/XX/XXXX Unauthorized. Delete under FCRA 611. 

EXXXX XXXX XXXXXXXX XX/XX/XXXX Not mine. Remove immediately. 

XXXX XX/XX/XXXX Duplicate unauthorized pull. This is identity misuse. Remove. 

I am requesting that the CFPB require the credit bureaus and the furnishers involved to provide full documentation validating each late payment claim and each inquiry authorization. If they can not produce written proof, I request immediate deletion of all disputed items and a corrected report. I also request that the CFPB hold the bureaus and furnishers accountable for violating the FCRA and allowing harmful, false information to remain on my report.

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