Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report. These accounts are negatively affecting my creditworthiness, and I have no knowledge or relationship with many of them. Reporting such false information violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws. I demand a full investigation, correction, or deletion of these items. 
XXXX XXXX XXXX XXXX XXXX  This address is not associated with any of my financial accounts. Its reporting constitutes false information under FCRA Section 611. Such misreporting can lead to mistaken identity and potential fraud. I demand its removal to protect my credit integrity. 

XXXX XXXX XXXX XXXX XXXX Reporting this incorrect address violates my rights and creates confusion regarding my identity. This misrepresentation could negatively impact future credit opportunities. Immediate correction or deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Reporting a charge-off without verification is a violation under FCRA Section 609 and FDCPA Section 809. This false reporting negatively affects my credit score, and I demand immediate deletion. This account may also indicate possible identity theft or reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$640.00} Date Opened : XX/XX/XXXX I deny any responsibility for this account. Charge-off reporting is inaccurate and misleading. Including unverifiable accounts violates FCRA Section 611 and may constitute negligent reporting. Immediate removal is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX I have never opened or authorized this account. Its charge-off reporting is false and harmful. Such erroneous reporting may result in loss of credit opportunities. I demand its deletion from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Reporting a charge-off for an account I did not open is a clear violation of FCRA, and I demand its removal. Continued reporting could indicate potential identity theft. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$840.00} Date Opened : XX/XX/XXXX This account is not mine. Reporting this charge-off damages my credit and misrepresents my financial history. FCRA Section 611 requires immediate investigation and correction. 

XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX I dispute the legitimacy of this account. Its charge-off status is inaccurate. Reporting false information is unlawful and must be removed to prevent further credit harm. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX I deny any knowledge or association with this account. Listing this as charge-off is inaccurate and a violation of FCRA. Immediate deletion is required. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX The reported late payment is incorrect. I have never made late payments on this account. Incorrect reporting misrepresents my payment history and violates FCRA Section 607. I demand correction of the payment status and updating of my account history to reflect accurate information. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Reporting a late payment on an account where I have consistently paid on time is false and misleading. FCRA mandates accurate reporting, and I request immediate correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX The late payment designation is false. I have consistently met all payment obligations. This incorrect reporting negatively impacts my creditworthiness and must be corrected immediately under FCRA Section 609 and 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX I deny any knowledge of this account. Listing this as a collection is inaccurate and misleading. Its presence on my credit report is damaging. Immediate deletion is demanded. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3300.00} Date Opened : XX/XX/XXXX I have never opened or authorized this account. Reporting it as a charge-off is false, misleading, and damages my credit history. FCRA Sections 609 and 611 require immediate investigation and deletion. 
XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Reporting unauthorized inquiries violates FCRA Section 604. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not authorized this inquiry. Immediate deletion is required under FCRA provisions.

These inaccurate, unverifiable, and unauthorized accounts are causing substantial harm to my credit, including denial of credit opportunities and damage to my financial reputation. Under FCRA, CFPB has the authority to investigate and require credit bureaus and furnishers to correct or delete false information. I request CFPB to compel all relevant entities to investigate and resolve these inaccuracies promptly and provide me with written confirmation of all actions taken.

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