Consumer complaint received 2025-11-26 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:
Consumer Financial Protection Bureau ( CFPB ) This is a formal complaint regarding multiple inaccurate, false, and unverified items being reported on my credit file by the credit bureaus and the furnisher ( XXXX ). I am requesting immediate investigation and enforcement action because my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been violated. The information listed below has caused major damage to my financial stability, job opportunities, and overall personal life, even though I have no connection to these accounts or addresses. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : I have never lived at this address, never used it for any purpose, and have zero connection to this location. Reporting an address that does not belong to me violates FCRA 15 USC 1681e ( b ), which requires maximum possible accuracy. This incorrect address is causing file contamination and mixing my identity with others. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : I have no relationship with this address. Adding this incorrect information to my report violates the accuracy standards under FCRA and must be removed immediately to prevent further damage and identity confusion. 
Accounts XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Status : Charge Off Issue : This account is being reported with false and misleading information. I have no knowledge of this account and have never received any contract, billing statement, or validation proving it belongs to me. Reporting an account without verification violates FCRA 15 USC 1681i and 15 USC 1681s-2. If the furnisher can not provide my signed contract, payment history, and documentation proving ownership, you must delete this account immediately for failure to verify. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Status : Collection Issue : This collection is completely unknown to me. I have never been contacted, never received validation, and no proof has been provided that this debt belongs to me. Reporting an unverified collection violates both FDCPA XXXX XXXX XXXX ( b ) and FCRA XXXX XXXX XXXX. Unless full legal validation is provided, this item must be deleted immediately. 
Because these items are inaccurate, unverified, and falsely linked to my identity, I am requesting CFPB intervention to enforce the following : Require the credit bureaus to conduct a lawful reinvestigation Require the furnishers to provide full documentation or delete the accounts Remove all false addresses that do not belong to me Hold the furnisher ( XXXX ) accountable for reporting unverified information Prevent further damage to my credit profile and financial well-being I am experiencing financial harm, emotional distress, and denial of opportunities due to these false items. I am requesting the CFPB to take action immediately to protect my rights under federal law. 
Thank you

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