Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am disputing an inaccurate address reported on my credit file, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which does not belong to me and has never been associated with my residence or mailing history. I have reason to believe this address is connected to identity theft or accounts belonging to another individual, as it appears alongside accounts and activity that I never authorized. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe is inaccurate, and the credit bureaus must investigate and remove information that can not be verified as correct. This address is not mine, and any account or activity associated with it should be considered fraudulent until verified. I request that Equifax and TransUnion investigate, remove this address from my credit report, and ensure that any accounts linked to it are properly verified and corrected. 
I am also disputing several late open and late closed accounts that I did not authorize or that contain inaccurate payment history. The XXXX XXXX account ending XXXX, opened XX/XX/XXXX with a balance of {$520.00}, is reported with 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX and XX/XX/XXXX, and 30 days late again, even though I never opened or authorized this account. This activity may be the result of identity theft, and I request that all three bureaus verify ownership with the creditor and remove any late payments that do not belong to me. Additionally, the XXXX account ending XXXX, opened XX/XX/XXXX with a balance of {$0.00} and last payment on XX/XX/XXXX, is missing from Experian and Equifax, while the XXXX XXXX  account ending XXXX, opened XX/XX/XXXX with a balance of {$0.00} and last payment XX/XX/XXXX, is missing from Equifax. These discrepancies violate FCRA Section 611, as inaccurate or incomplete reporting can adversely affect my credit score and lending opportunities. I request that the bureaus verify all payment histories, balances, and account closure dates with the creditors, and remove or correct any information that can not be confirmed as mine. 
Finally, I dispute the reporting of charge-offs on all three bureaus, which are inaccurate and may involve accounts opened without my authorization. XXXX XXXX XXXX XXXX ending XXXX with a balance of {$470.00} and XXXX XXXX ending XXXX with a balance of {$1900.00} are not mine, and the charge-offs do not reflect my financial responsibility. These entries are highly damaging and appear to be a result of fraudulent activity or identity theft, which is protected under the FCRA, Section 609 and Section 623 ( 15 U.S.C. 1681g, 1681s-2 ), requiring the bureaus and furnishers to investigate and correct inaccurate information. I request that the bureaus conduct a full reinvestigation, verify account ownership directly with the creditors, and remove these charge-offs immediately if ownership can not be verified. Accurate reporting is critical to ensure my credit report reflects only accounts and activity legitimately associated with me.

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