Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my Experian credit report. I am requesting CFPB assistance to ensure Experian complies with its obligations under the Fair Credit Reporting Act to report only complete, accurate, and verifiable information. 
An address listed on my Experian credit report, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is not my address. I have no knowledge of this address, have never lived at this location, and it does not belong to me. This address is incorrectly associated with my credit file and must be deleted. 
Experian is also reporting inaccurate late payment history on multiple accounts. The XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting late payments that are inaccurate. I am disputing only the late payment history and requesting correction of any information that can not be fully verified as accurate. 
The XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting late payments that are inaccurate. I am disputing only the late payment reporting and requesting that Experian correct any late payment information that does not meet verification standards. 
The XXXX XXXX account XXXX XXXX, opened XX/XX/XXXX ) is reporting late payment history that is inaccurate. I am disputing only the late payment history and requesting proper correction following a lawful reinvestigation. 
The XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting inaccurate late payments. I am disputing only the late payment reporting and requesting correction of any inaccurate information. 
The XXXX XXXX XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is reporting late payment history that is inaccurate. I am disputing only the late payment reporting and requesting correction of any information that can not be verified as accurate. 
The XXXX XXXX account ( XXXX, opened XX/XX/XXXX ) is also reporting inaccurate late payment history. I am disputing only the late payment reporting and requesting correction of any information that does not meet accuracy requirements. 
Additionally, Experian is reporting inquiries that I did not authorize. The XXXX XXXX  inquiry dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Global Lending XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX inquiry dated XX/XX/XXXX were not authorized by me and are inaccurately associated with my credit file. These inquiries should be removed unless Experian can provide proper proof of authorization. 
I am requesting that the CFPB require Experian to conduct a complete and lawful reinvestigation, delete the incorrect address, correct any inaccurate late payment history, and remove any unauthorized inquiries that can not be verified. I also request written confirmation and an updated copy of my credit report once the investigation is 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