Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I am submitting this formal complaint against Experian for failing to remove or correct inaccurate, outdated, and unverifiable information from my credit report, despite being notified via formal dispute. Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 605 ( a ).

Below is a breakdown of the disputed items : WRONG ADDRESSES ( Unverified/Not Associated with Me ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not belong to me and should not be associated with my identity. This violates FCRA 1681e ( b ).

INACCURATE LATE PAYMENTS : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX  High Credit : {$1700.00} Issue : Reporting inaccurate late payments XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX  Balance : {$3300.00} Issue : Late payments are being falsely reported without proof XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$5700.00} Issue : Late payments inaccurately listed despite timely payments XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} Issue : Reporting false delinquencies harming my score XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5200.00} Issue : Contains unverified and inaccurate late payment reporting UNVERIFIED & OBSOLETE CHARGE-OFFS : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-off account outdated and unverifiable XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$0.00} Issue : Obsolete account that should no longer be reported per FCRA 605 ( a ) XXXX Account # : XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Issue : Charge-off listed without proper documentation XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$0.00} Issue : Account is settled but still derogatorily listed XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$0.00} High Credit : {$14000.00} Issue : Account appears twice, misleading and confusing. Data is aged and unverifiable COLLECTION ACCOUNT NOT MINE : XXXX XXXX  ( Original Creditor : XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2500.00} Issue : This is not my account. It was never opened or authorized by me. Violates FDCPA 809 and FCRA 1681b UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my consent or permissible purpose under FCRA 604 ( a ), and are damaging my score without justification.

Requested Relief : Immediate deletion of all inaccurate addresses Deletion of all unverifiable late payments and charge-offs Deletion of the unauthorized XXXX XXXX XXXX  account Removal
of unauthorized hard inquiries Delivery of an updated, corrected credit report Written confirmation from Experian detailing all corrections made Experian has ignored its legal duty to maintain accurate records and investigate disputes thoroughly. I request CFPB to investigate this matter, enforce compliance, and protect my rights under the Fair Credit Reporting Act.

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