Consumer complaint received 2025-04-19 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: MO

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which entitles me to a reasonable reinvestigation of disputed information. As a responsible consumer who is working hard to rebuild and protect my financial well-being, it is both distressing and disheartening to see erroneous information affecting my credit profile.

These inaccuracies not only violate my rights under FCRA Section 602 ( A ), which mandates fair and accurate credit reporting, but they also create unnecessary obstacles in my lifeimpacting my ability to secure housing, employment, and financial stability. I respectfully request a thorough reinvestigation of each disputed item listed below and ask that any unverifiable, outdated, or incorrect information be permanently deleted from my credit file. 
________________________________________ INCORRECT ADDRESSES XXXX. XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Issue : These addresses do not belong to me and are inaccurately reported on my credit file. 
FCRA Violation : 607 ( b ) Failure to maintain maximum possible accuracy in the reporting of consumer information.

Action Requested : Please delete these addresses from my credit file. 
________________________________________ COLLECTION ACCOUNTS XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Issue : I do not recognize this account and believe it is either inaccurate or unverifiable. 
FCRA Violation : 611 ( a ) Failure to investigate disputed information and 623 ( a ) ( 1 ) ( A ) Furnishing of inaccurate information. 
Action Requested : Delete this account unless it can be fully validated with original signed documents. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : This collection account is unfamiliar to me and may be reported in error.

FCRA Violation : 607 ( b ) Failure to ensure maximum possible accuracy of information reported.

Action Requested : Provide validation or remove from the credit report. 
________________________________________ UNAUTHORIZED INQUIRIES Hard Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : These inquiries were not authorized by me and do not reflect any transaction or application I made. 
FCRA Violation : 604 ( a ) ( 3 ) Permissible purpose requirement for pulling a consumer report.

Action Requested : Remove these inquiries from my credit report unless you can provide documented proof of authorization. 
________________________________________ FINAL REQUEST In accordance with the FCRA 611, I request that you complete your investigation within 30 days and provide written confirmation of the outcome. Please also send me an updated copy of my credit report reflecting any changes. 
Thank you for your prompt attention to these matters. 
Sincerely, XXXX XXXX

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