Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate information that Experian is reporting on my consumer credit file. I am requesting a full and lawful reinvestigation under the Fair Credit Reporting Act, as the information listed below is inaccurate, unverifiable, and does not accurately reflect my credit history. 
The address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is not my address. I have no knowledge of this address, have never lived there, and never provided it to any creditor. This address is being reported inaccurately and must be deleted from my Experian credit file. 
The address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also not mine. I do not recognize this address, have no association with it, and did not authorize its reporting. This address does not belong on my credit report and must be permanently removed. 
The account reported as XXXX XXXXXXXX XXXX XXXX  with a high balance of {$1000.00}, opened on XX/XX/XXXX, is reporting late payment history that is inaccurate. I am disputing the late payment reporting only. Experian must conduct a proper investigation and correct or remove the inaccurate late payment information if it can not be fully verified. 
The XXXX XXXX XXXX XXXX account with a high balance of {$2700.00}, opened on XX/XX/XXXX, is reporting late payment information that is inaccurate. I am disputing only the late payment history and requesting correction or deletion of any unverifiable late payment reporting. 
The second XXXX XXXX XXXX XXXX account with a high balance of {$3500.00}, also opened on XX/XX/XXXX, contains inaccurate late payment reporting. I am not disputing the existence of the account, only the late payment history, which must be corrected or removed following a lawful reinvestigation. 
The account listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a high balance of {$17000.00}, opened on XX/XX/XXXX, is reporting late payments that do not accurately reflect my payment history. I am disputing the late payment reporting only and requesting correction of any inaccurate information. 
The account listed as XXXX XXXX XXXX XXXX XXXX XXXX with a high balance of {$16000.00}, opened on XX/XX/XXXX, is also reporting inaccurate late payment history. This dispute applies solely to the late payment reporting, which must be properly verified and corrected. 
The XXXX XXXX XXXX XXXX account with a high balance of {$4500.00}, opened on XX/XX/XXXX, contains late payment reporting that is inaccurate. I am disputing the late payment history only and requesting correction or removal if the information can not be verified. 
The XXXX XXXX XXXX XXXX account with a high balance of {$3000.00}, opened on XX/XX/XXXX, is reporting late payments inaccurately. I am requesting that Experian conduct a proper reinvestigation and correct or delete the inaccurate late payment history. 
The additional XXXX XXXX XXXX XXXX account with a high balance of {$2200.00}, opened on XX/XX/XXXX, also contains inaccurate late payment reporting. I am disputing only the late payment history and requesting correction or deletion if the information is unverifiable. 
Experian is required under the Fair Credit Reporting Act to ensure that all information reported is accurate, complete, and verifiable. I am requesting that CFPB ensure Experian conducts a full and lawful reinvestigation and provides written confirmation once these inaccuracies are corrected or removed.

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