Consumer complaint received 2025-11-11 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: DE

Complaint narrative:
I am submitting this fourth follow-up complaint because, although some items have finally been deleted from my Experian credit file, several inaccurate, unverifiable, and unauthorized pieces of information remain. These items continue to cause confusion, inconsistencies, and significant harm to the accuracy of my credit report. Experian has failed to ensure that my credit file contains only complete, accurate, and verifiable information as required under the Fair Credit Reporting Act ( FCRA ). My continued attempts to resolve these issues directly with Experian have not resulted in the permanent removal of these unverifiable entries, which continues to misrepresent my financial history and negatively impact my creditworthiness. 
The first major issue involves my current address, which is reported incorrectly. My correct and only address is XXXX XXXX XX/XX/XXXXXXXX, DE XXXX, yet Experian continues to list XXXXXX/XX/XXXXXXXX, DE XXXX as my active address. This is not a simple formatting error but a materially inaccurate entry. Under FCRA XXXX ( a ) ( XXXX ), I have the right to know what identifying information is being reported about me, and under XXXX ( a ) ( XXXX ) ( A ), Experian must delete unverifiable or inaccurate information within XXXX days of a dispute. FCRA XXXX ( b ) obligates the bureau to maintain reasonable procedures to ensure maximum possible accuracy. Experians continued reporting of an incorrect address demonstrates a failure to meet these legal standards. Permanent deletion of the incorrect address and confirmation that my accurate address is reported are required. 
In addition to the address issue, Experian continues to report a charge-off account from XXXX XXXXXX/XX/XXXX Account No. XXXXXX/XX/XXXX with a balance of {$0.00} * *, despite this account no longer appearing on the other nationwide credit bureau reports. This discrepancy indicates that Experian has failed to verify the account in line with FCRA XXXX ( b ), XXXX, and XXXX, which collectively require accurate reporting, blocking of unverifiable information, and deletion of inaccurate accounts. Because this account can not be verified or corroborated across other bureaus, I request that CFPB compel Experian to permanently delete this charge-off account. 
Another outstanding issue involves an unauthorized inquiry from XXXX XXXX dated XX/XX/year>. I never authorized this inquiry, and no documentation or permissible purpose exists to justify its appearance on my credit report. FCRA XXXX ( a ) ( XXXX ) provides that a credit bureau may only include inquiries with a legitimate purpose such as a credit application or employment screening, and XXXX ( a ) ( XXXX ) ensures I have the right to know who accessed my file and under what authority. Experian has failed to provide proof of authorization, thereby violating my rights under FCRA XXXX by continuing to report unverifiable information. Permanent removal of this unauthorized inquiry is necessary. 
Finally, Experian reports a charge-off account from XXXX XXXX XXXX Account XXXX. XXXX, showing a balance of {$1800.00} * *. This account is reported only by Experian and not by the other credit bureaus, raising serious concerns about its accuracy. Under FCRA XXXX ( b ), Experian must ensure all reported information is accurate and verifiable. Moreover, I have never received an IRS Form XXXX for this account, which is legally required when a debt of {$600.00} or more is canceled or forgiven. The absence of this form strongly indicates that the debt was never formally canceled or discharged. Reporting it as a charge-off or profit and loss write-off is misleading and violates FCRA standards. Permanent deletion of this unverifiable account is required to prevent further harm to my credit profile. 
The continued reporting of inaccurate personal data, unauthorized inquiries, and unverifiable charge-offs demonstrates repeated failures by Experian to meet its legal obligations under FCRA XXXX XXXX b ), XXXX ( a ) ( XXXX ), and XXXX. This ongoing misreporting undermines the accuracy of my credit history and has caused significant, demonstrable harm to my creditworthiness.

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