Consumer complaint received 2025-12-04 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 formal complaint against the credit reporting agencies and the furnishers listed below for serious violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of accounts I have no knowledge of, incorrect delinquency information, and multiple inaccurate addresses that do not belong to me. 

These errors are damaging my creditworthiness, causing financial harm, and violating my rights under 15 U.S.C. 1681e ( b ) and 1681i. 

XXXX. INACCURATE & UNAUTHORIZED ADDRESSES ( NEVER BELONGED TO ME ) These addresses are being reported without my authorization and do not belong to me : XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address These addresses are not my residences, and their presence on my credit file indicates either mixed-file contamination, identity errors, or inadequate verification by the credit bureau. 
I am requesting immediate deletion of these addresses. 

XXXX. LATE PAYMENTS REPORTED IN ERROR NEVER LATE The following accounts are reporting late payments that are 100 % inaccurate. 
I have never made a late payment on these accounts, and the reported delinquency is false. 

Please correct the account histories immediately, as required under FCRA 1681i. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$3500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$4300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$3100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} These inaccurate late payments must be corrected immediately. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF REQUESTING DELETION The following charge-off accounts do not belong to me, and I have no knowledge of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off High Credit : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Credit : {$17000.00} * * These accounts appear to be the result of file contamination, identity errors, or inaccurate reporting. 
Under FCRA 1681e ( b ), these must be deleted immediately. 

XXXX. COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF REQUESTING DELETION These collections do not belong to me, and I dispute their accuracy : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) High Credit : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) High Credit : {$3100.00} These are unauthorized, I have no knowledge of them, and they must be removed immediately under FCRA accuracy requirements. 

REQUESTED ACTIONS I request the CFPB to investigate and require the credit bureaus and furnishers to : Delete the inaccurate addresses listed above Correct all inaccurate late payments Delete all charge-off and collection accounts I have no knowledge of Provide a full reinvestigation audit trail Provide documentation proving how these accounts were verified FCRA VIOLATIONS INVOLVED 1681e ( b ) Failure to ensure maximum possible accuracy 1681i Failure to conduct a proper reinvestigation 1681s-2 Furnishers reporting inaccurate information 1681c Inclusion of unverifiable or incorrect personal information These violations are severely harming my credit and financial stability. 

Thank you for your prompt attention. I expect a full investigation and resolution.

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