Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple inaccurate entries on my credit report under my name, XXXX XXXX, which are causing significant harm to my creditworthiness. Despite my attempts to correct these inaccuracies with the credit bureau, the following items remain unverified, misleading, and damaging : XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been associated with me, and I have never resided there. Reporting this incorrect address creates confusion about my residency and is a violation of FCRA, which requires accurate reporting of personal identifying information. I request immediate deletion of this erroneous address from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address This property is not connected to me in any way. Its inclusion in my credit report falsely implies a connection I do not have, potentially affecting lenders perception of my creditworthiness. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate and remove unverified or inaccurate information promptly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off, Opened XX/XX/XXXX, Balance {$0.00} * * I have no knowledge of this account and have never authorized its creation or usage. Reporting it as a charge-off is inaccurate, unfair, and harmful. Under FCRA, if an account can not be verified, it must be removed. I request immediate deletion of this account to prevent further damage to my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off, Opened XX/XX/XXXX, Balance {$2300.00} * * I have never opened or used this account. Its inclusion and designation as a charge-off is completely false and misleading. I demand its removal under 15 U.S.C. 1681i ( a ) ( 5 ), which requires deletion of unverifiable accounts.

DEPTED/XXXX  XXXX , Date Opened XX/XX/XXXX, Balance Owed {$4800.00} Late Payment This account is incorrectly reported as late. I have always maintained timely payments on my student loan obligations. Reporting a late payment here is false, damaging to my creditworthiness, and misleading to potential lenders. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), this entry must be investigated and corrected immediately. 
DEPTED/XXXX XXXX , Date Opened XX/XX/XXXX, Balance Owed {$7200.00} Late Payment This duplicate entry also erroneously lists a late payment. I have no record of any late payment on this account. Reporting this as late is a violation of my rights under FCRA. I request that this inaccurate entry be corrected to reflect my true payment history. 
DEPTED/XXXX  XXXX , Date Opened XX/XX/XXXX, Balance Owed {$4900.00} Late Payment I have never been late on this account. This entry is inaccurate, misleading, and adversely affects my credit profile. Under 15 U.S.C. 1681s-2 ( b ), furnishers must provide accurate information, and failure to correct these errors is unlawful. 
DEPTED/XXXX  XXXX , Date Opened XX/XX/XXXX, Balance Owed {$2300.00} Late Payment This account is falsely reported as late. I request immediate verification and correction to remove any inaccuracies. Maintaining this false record violates my rights under federal law. 
DEPTED/XXXX XXXX , Date Opened XX/XX/XXXX, Balance Owed {$6000.00} Late Payment This reported late payment is completely false. I have consistently fulfilled my obligations on this account. I request this entry be corrected immediately to reflect accurate payment history, in compliance with FCRA 1681i. 
DEPTED/XXXX  XXXX , Date Opened XX/XX/XXXX, Balance Owed {$8200.00} Late Payment This is another inaccurate late payment listing. I have never missed a payment. Please investigate and correct this error promptly. 
DEPTED/XXXX XXXX , Date Opened XX/XX/XXXX, Balance Owed {$3800.00} Late Payment This entry is falsely reported as a late payment. I demand that DEPTED/XXXX  provide verification of this account, and until verified, it must be removed according to 15 U.S.C. 1681i ( a ) ( 5 ). 
DEPTED/XXXX XXXX , Date Opened XX/XX/XXXX, Balance Owed {$2500.00} Late Payment This late payment is reported incorrectly. I have never had a late payment on this account. Reporting it as late is misleading and violates my rights under FCRA. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX Charge Off, Opened XX/XX/XXXX, Balance {$7000.00} I have no knowledge of this account and never authorized its creation or use. Reporting it as a charge-off is entirely false, misleading, and damaging to my credit reputation. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), unverifiable accounts must be removed immediately. I demand its deletion. 
XXXX XXXX XXXXXXXX XXXX Collection, Opened XX/XX/XXXX, Balance {$1700.00} * * This account is a duplicate or otherwise unverifiable. I have never had any connection with this account. Maintaining this inaccurate information on my credit report violates 15 U.S.C. 1681s-2 ( b ). I demand correction and deletion.

XXXX XXXX XXXXXXXX XXXX XXXX Collection, Opened XX/XX/XXXX, Balance {$0.00} * * I have no knowledge of this account and have never authorized any debt under this name. Reporting this as a collection is completely inaccurate. FCRA requires that unverifiable accounts be deleted. Immediate removal is requested. 
XXXXXXXX XXXX Inquiry , XX/XX/XXXX XXXX have no connection to this inquiry and never provided authorization. This inaccurate reporting must be corrected immediately. 
XXXX XXXX Inquiry , XX/XX/XXXX I have no knowledge of this inquiry and did not authorize it. Immediate removal is required to ensure accurate reporting.

Impact : These inaccurate accounts and inquiries are severely affecting my credit score and my ability to obtain financial services. I have never defaulted on the accounts listed as charge-offs or collections, and I have never authorized the hard inquiries noted above.

Request for Action : I request that the CFPB investigate these inaccuracies, enforce deletion or correction of unverifiable accounts, and ensure that all unauthorized inquiries are removed. I expect written confirmation of any corrective action taken.

Supporting documentation, including identification, is attached for verification purposes.

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