Consumer complaint received 2025-11-17 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:
I am submitting a formal complaint regarding multiple violations by the credit reporting agencies and furnishers for reporting inaccurate, unverifiable, unauthorized, and harmful information on my credit file. These items include false collections, duplicate accounts, and unauthorized hard inquiries. These issues violate FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611, 623 ( A ) ( 1 ) ( A ), 623 ( A ) ( 3 ), and 604 ( A ), causing significant damage to my consumer rights, credit standing, and financial wellbeing. I have attempted to dispute these items, yet the reporting agencies continue to maintain inaccurate and unverifiable information. I am requesting CFPB assistance to enforce compliance and require the bureaus and furnishers to correct or delete the following items immediately. 
XXXX XXXX XXXX XXXX, LA XXXX WRONG ADDRESS This address does not belong to me, I have never lived here, used it, or been associated with it in any form. Reporting this is a violation of FCRA 602 and 609 ( a ). 
XXXX XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This is not my residence and never has been. This inaccurate address must be removed immediately. 
XXXX XXXX Account XXXX XXXX XXXX XXXX  High Balance {$3000.00} Date Opened XX/XX/XXXX CHARGE OFF * * This account is inaccurate and does not belong to me. I have no knowledge of this account or any charge-off activity. Under FCRA 611 and 623 ( a ) ( 3 ), furnishers must not report unverifiable information. This account is causing major damage to my credit profile and must be deleted immediately as it can not be verified through any lawful method. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$430.00} Date Opened XX/XX/XXXX CHARGE OFF * * This account is being falsely reported. I have no record, contract, or relationship with this creditor. Reporting a false charge-off is a violation of FCRA 607 ( B ). I demand its deletion. 
XXXX Account XXXX XXXX XXXX XXXX XXXX High Balance {$1200.00} Date Opened XX/XX/XXXX LATE PAYMENT ( FALSE ) * * These late payments are factually incorrect. I never paid late and my payment history does not support these claims. Under FCRA 623 ( a ) ( 1 ) ( A ) furnishers must report accurately. These late payments are harming my creditworthiness and must be corrected to Paid As Agreed / Never Late. 
XXXXXXXX XXXX Account XXXX XXXX XXXX High Balance {$690.00} Date Opened XX/XX/XXXX COLLECTION * * You are reporting the same debt twice under two slightly different dates, which is illegal, misleading, and a violation of FCRA 607 ( B ). This duplicate reporting must be deleted. 
XXXX XXXX Account XXXX XXXXXXXX High Balance {$890.00} Date Opened XX/XX/XXXX COLLECTION * * This is an inaccurate collection account. I never opened or authorized this debt. No verification exists, and this reporting violates FCRA 607 ( B ). I demand deletion. 
RISE/CCB/EDS Inquiry XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY This inquiry was not made by me. There is no permissible purpose. Remove this unauthorized inquiry. 
XXXX XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY This creditor had no legal reason to access my credit file. I dispute this and request deletion. 
XXXX XXXX  Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY I did not apply for credit with this company. This inquiry violates FCRA XXXX ( A ). Must be removed. 
XXXX XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY This inquiry is not authorized by me. Additionally, you are reporting the same inquiry twice, which violates FCRA 607 ( B ). Both entries must be deleted immediately.

These inaccurate and unauthorized items continue to harm my creditworthiness, raise my interest rates, interfere with my ability to obtain housing and employment, and create severe emotional and financial stress. The furnishers and credit reporting agencies have failed to conduct reasonable investigations as required under FCRA 611 ( a ). I request CFPB intervention to compel the bureaus and furnishers to provide full validation or delete these items immediately. I also request written confirmation of all corrections.

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