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: CA

Complaint narrative:
I am filing this complaint because my credit report contains several pieces of inaccurate and unauthorized information that are negatively affecting my credit standing. After reviewing my report, I discovered that XXXX  is showing an address, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which is completely wrong. I have never lived at or been connected to this address in any way. Its presence on my report is inaccurate and misleading, and I believe it may have contributed to the inclusion of other incorrect or unauthorized data in my credit file. 
First, my credit file contains multiple inaccurate and outdated addresses which are not my current or valid residences. The following addresses should be deleted immediately as they are either outdated, incorrect, or associated with fraudulent or unauthorized activity connected to identity confusion or misreporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not related to my verified identity or recent credit activity. Maintaining inaccurate address data constitutes a direct violation of FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of consumer information. 
Next, there are accounts being reported inaccurately and in violation of FCRA 611, which provides consumers the right to dispute any incomplete or incorrect information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Late Payment * * This account is being falsely reported with late payment history. I have never made any late payments on this account, and there is no verifiable documentation to support such derogatory status. This inaccuracy is damaging to my creditworthiness and must be corrected immediately. Please update this account to reflect a perfect payment history. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Reported as XXXX XXXX XXXX I have no knowledge of this account and have never had any contractual relationship with XXXX XXXX or any affiliated lender reporting under this name. Under FCRA 602 ( A ), unverified and inaccurate accounts must be deleted if the furnisher can not provide proof of validity and consumer authorization. This account should be immediately removed as unverifiable and fraudulent. 
Additionally, my report reflects several unauthorized and excessive hard inquiries, which I did not initiate or consent to. Each inquiry below constitutes an invasion of privacy under FCRA 604 ( a ), as no permissible purpose has been established. I demand immediate deletion of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized these companies to access or review my credit file, and these inquiries are negatively impacting my credit profile. You are required to delete all unauthorized inquiries unless the furnishers can produce signed applications or written consent from me within the 30-day investigation period. 
I have already contacted to dispute these inaccuracies and unauthorized entries, but I am submitting this complaint to the Consumer Financial Protection Bureau because my rights under the Fair Credit Reporting Act have been violated. I am requesting that the CFPB investigate these issues and ensure that XXXX  removes the wrong address, corrects the false late payment reporting on the XXXX XXXX  account, and permanently deletes the unauthorized inquiry made by XXXX XXXX. I also ask that XXXX  take accountability for allowing unverified and inaccurate information to remain in my credit file, which has caused unnecessary harm to my credit reputation.

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