Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I am writing as the consumer whose credit file you maintain to formally dispute the inaccurate reporting of my personal identifying information, specifically my name being reported as XXXX XXXX. This name is not legally mine, and the erroneous association with my credit file has resulted in confusion, misattribution of accounts, and potential identity errors. The misreporting of my legal name compromises the accuracy of my credit history, as creditors may rely on this information to approve or deny credit, and it may lead to accounts being incorrectly associated with me that are actually someone elses obligations. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, and under 15 U.S.C. 1681i ( a ), you are obligated to investigate and correct any disputed errors. The failure to correct my legal name has already resulted in difficulties verifying my identity with lenders and other financial institutions, caused emotional distress, and materially harmed my creditworthiness. I demand that all credit reporting agencies update my file to reflect my true legal name and remove any references to XXXX XXXX immediately. 
I also dispute the inaccurate reporting of my addresses, which currently appear as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. Neither of these addresses is, nor has ever been, my legal residence. The presence of these false addresses has likely contributed to the misreporting of accounts and may have allowed accounts belonging to other individuals to be inaccurately included in my credit file. Reporting incorrect addresses violates 15 U.S.C. 1681e ( b ), which requires agencies to employ reasonable procedures to ensure maximum accuracy in consumer files. These errors also expose me to the risk of identity confusion, misattributed debts, and potential fraudulent activity, and they have caused tangible financial and reputational harm. I have experienced complications with lenders, inaccurate background checks, and delays in verifying my own legitimate accounts as a result of these incorrect addresses. I demand that these addresses be removed immediately and replaced with my accurate, verifiable residential information. 
Finally, I dispute multiple charge-offs and collection accounts inaccurately reported on my file. These include XXXX XXXX XXXX XXXX XXXX XXXX ( {$870.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$870.00} and {$920.00} ), XXXX XXXXXXXX ( {$790.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), and collections reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ). I have never been provided with original signed agreements, verification statements, itemized billing histories, or any lawful documentation showing that these balances or charge-offs are accurate. Reporting zero-balance accounts as charge-offs and reporting collections without validation is misleading and materially harmful. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not provide information they know or should know is inaccurate, and under 1681s-2 ( b ), they must conduct a reasonable investigation upon notice of dispute. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable information be deleted promptly. The continued reporting of these erroneous charge-offs and collections has already caused me concrete financial injury, including credit denials, higher interest rates, restricted housing access, and professional reputational damage. Each account represents a separate failure to comply with federal law, and I demand that all inaccurate charge-offs and collections be deleted or fully verified with documentation acceptable under federal standards.

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