Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
I am disputing the continued and unlawful reporting of multiple inaccurate, unverifiable, and misleading items appearing on my credit file. This letter serves as my formal demand for permanent removal, not correction, of the information outlined below. These inaccuracies are causing significant harm to my creditworthiness and misrepresent my true financial standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure the integrity and accuracy of my credit report. 
My report continues to list an inaccurate address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, which does not belong to me and should never have been associated with my credit file. Its presence constitutes a direct violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. I am demanding the permanent removal of this false address from my file. 
Additionally, there is a Late Closed account from XXXX Account No : XXXX XXXX XXXX  with a Balance of {$0.00} * *, which continues to appear despite being fully satisfied and no longer valid for reporting. This inaccurate reporting is a violation of FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ), as well as FCRA 605B / 15 U.S.C. 1681c-2, which grants the right to block unverifiable information. This account must be permanently removed from my credit report. 
My report also shows a Charged-Off account from XXXX Account No : XXXX XXXX XXXX with a Balance of {$1300.00} * *, which is both inaccurate and unverifiable. There has been no Form 1099-C issued to confirm cancellation of this alleged debt, as required for any balance above {$600.00}. The continued reporting of this account violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as it fails to ensure maximum accuracy and misleads other creditors regarding my financial standing. This account must be permanently deleted, not corrected or updated. 
Furthermore, there are collection accounts being reported by XXXX XXXX XXXX Account No : XXXX XXXX XXXX with a Balance of {$320.00} * *, and XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Account No : XXXX XXXX XXXX with a Balance of {$320.00} * *. These accounts have not been properly validated and remain unverifiable under federal law. Their continued reporting violates FDCPA 807 ( 15 U.S.C. 1692e ) for false or misleading representations and FDCPA 809 ( 15 U.S.C. 1692g ) for failure to validate the debt. Additionally, FCRA 605B / 15 U.S.C. 1681c-2 requires that unverifiable or fraudulent items be blocked and permanently deleted. 
Finally, I am disputing an unauthorized inquiries from XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX which was made without my consent or any permissible purpose. This violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which limit access to credit reports to those with legitimate purposes, as well as FCRA 619 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses, and FCRA 605B 15 U.S.C. 1681c-2, which authorizes the blocking and deletion of unauthorized access data.

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