Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate and unverifiable items on my credit report, and they have failed to correct them even after my dispute. There are two wrong addresses listed on my file which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are not mine and should not appear on my report. 

Experian is also reporting a late payment on the account XXXX XXXX XXXX XXXX XXXX XXXX which is completely inaccurate because I have never made any late payments on this account. This false reporting is damaging my payment history and my overall credit score.

Additionally, there are several charge-off accounts being reported that I have no knowledge of and never had any connection with. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$1400.00} opened on XX/XX/XXXX, XXXX XXXX * XXXX XXXX with a high balance of {$580.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a high balance of {$5500.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  with a high balance of {$2500.00} opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$20000.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$5000.00} opened on XX/XX/XXXX. I have never had any relationship or agreement with these creditors, and these accounts are completely unknown to me. 

Experian is also showing several collection accounts that are not mine. These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX  with a high balance of {$5700.00} opened on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a high balance of {$710.00} opened on XX/XX/XXXX, XXXX CRED XXXXXXXX XXXX XXXX XXXX  with a high balance of {$580.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$4900.00} opened on XX/XX/XXXX. I have no knowledge of any of these accounts, and they appear to be incorrectly and unfairly placed on my report. 

Furthermore, Experian has allowed several unauthorized hard inquiries to appear on my file, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize or apply for any credit related to these inquiries, which makes them completely invalid and unauthorized. 

These reporting errors are serious and violate my rights under the Fair Credit Reporting Act ( FCRA ). Experian has failed to maintain accurate and verifiable information and has not provided proper documentation or proof to validate these accounts after my dispute. These false and unverifiable accounts are severely harming my creditworthiness and reputation. 

I am requesting the Consumer Financial Protection Bureau to conduct a full review and hold Experian accountable for failing to ensure accurate reporting. I ask that all the inaccurate accounts, wrong addresses, and unauthorized inquiries be permanently removed from my credit file and that Experian provide a corrected report showing only verified and accurate information.

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