Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
I am submitting this follow-up regarding multiple inaccuracies, unverifiable accounts, and unauthorized inquiries on my Experian, Equifax, and TransUnion XXXX reports that continue to negatively affect my credit standing. Upon careful review, I identified numerous entries that are either obsolete, reported in error, or lack appropriate verification. Federal law grants me the right to dispute and request reinvestigation of any information I believe to be inaccurate or incomplete. 
Several addresses reported on my file are incorrect, including XXXX XXXX XXXX XXXX, XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; and variations of XXXX XXXX XXXX XXXX, XXXX. These addresses are not associated with me and compromise the integrity of my credit profile, potentially linking my file to fraudulent or mistaken accounts. 
Certain charge-off and late/closed accounts are inaccurately reported. XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows a {$0.00} balance but is marked late/closed. XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are reported as charge-offs with balances exceeding {$600.00}, yet I have never received the IRS-required XXXX XXXX, indicating the debts XXXX not have been formally forgiven. If these accounts can not be verified with proper documentation, they must be removed under FCRA 611. 
Additional accounts for removal or correction include XXXX ( Acct XXXXXXXX XXXX XXXX ) with {$170.00} owed, XXXX XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with {$510.00} owed, and XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} balance. These accounts continue to report negative information without proper verification, violating FCRA 607 ( b ) requirements for accurate reporting. 
Several collection accounts have not been properly validated, including XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX ). I dispute these under both the FCRA and FDCPA 809 ( 15 U.S.C. 1692g ), as none have been substantiated. Accounts lacking proper validation must be removed immediately. 
Lastly, there are unauthorized hard inquiries on my report, including XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX CARD ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). These inquiries were not authorized by me and do not meet the permissible purpose standard under FCRA 604 ( a ) ( 3 ). All unauthorized inquiries must be removed immediately. 
Under federal law, you are required to complete your reinvestigation within 30 days of receiving this notice. Any accounts or inquiries that can not be fully verified must be deleted from my file.

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