Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18101645
Complaint Overview
Complaint ID: 18101645
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 336XX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To the Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint against the credit reporting agencies and the data furnishers listed below for multiple FCRA violations, including inaccurate reporting, mixed-file errors, unauthorized inquiries, false late payment reporting, and the attachment of addresses that have never belonged to me. These issues have caused serious harm to my financial life, including credit denial, emotional distress, and reputational damage. I am requesting a full investigation into these violations and immediate corrective action. WRONG ADDRESSES NEVER BELONGED TO ME AND MUST BE REMOVED IMMEDIATELY XXXX MOORING LINE XXXX XXXX XXXX, FL XXXX Wrong Address Mixed file error, I do not recognize this address, never lived here, never had mail here, and this must be removed immediately. ACCOUNTS REPORTING INACCURATE LATE PAYMENTS I NEVER PAID LATE XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Late Payment This account is reporting false late payments. I have never paid late. This is an inaccurate payment history and violates FCRA XXXX ( b ). I am requesting correction of the payment history to reflect on-time payments only. XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Late Payment I never paid late on this account and the reporting is inaccurate. This false derogatory history is damaging my credit and must be corrected. XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This is also falsely reporting late payments. I never authorized late reporting, never paid late, and I demand an immediate correction. UNAUTHORIZED / HARD INQUIRIES I DID NOT PERMIT THESE & THEY MUST BE REMOVED XXXX XXXX XXXX XX/XX/XXXX Inquiry Not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX Not authorized XXXX XXXX XX/XX/XXXX Inquiry Not authorized XXXX XXXX XXXX XX/XX/XXXX XXXX Not authorized XXXX MORTGAGE XX/XX/XXXX Inquiry Not authorized XXXX XXXX XX/XX/XXXX Inquiry Not authorized XXXX BANK XX/XX/XXXX Inquiry Not authorized XXXX XXXX XXXX XX/XX/XXXX Inquiry Not authorized These inquiries were never authorized by me, I did not apply for credit with these companies, and their presence proves a mixed file or unauthorized access. Under FCRA Section 604, a creditor must have permissible purpose to pull my credit. These inquiries do not meet the permissible purpose requirement and must be deleted. I am requesting the CFPB to force the credit bureaus and the data furnishers to correct or delete all inaccurate information, remove all wrong addresses, correct the false late payments, and delete all unauthorized inquiries. I am requesting a full investigation and written confirmation of the actions taken. These continued violations of FCRA 602A, 604, 607 ( b ), 609 ( a ), and 611 have caused significant financial and emotional harm. I am asking for immediate regulatory intervention.
Frequently Asked Questions
What is Complaint #18101645 about?
Complaint #18101645 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.