Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and unverified items appearing on my credit report, which misrepresent my personal identification, account history, and obligations, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My name is incorrectly listed as XXXX XXXX, and my addresses are incorrectly reported as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, neither of which is accurate. These misidentifications compromise the accuracy of all accounts reported in my name, in violation of FCRA 611 ( Consumer Dispute Rights ) and FDCPA 807 ( False or Misleading Representations ) .Several accounts are inaccurately reported as charge-offs, including XXXX XXXX  XXXX XXXX account XXXX, balance {$200.00}, Exeter Fin XXXX XXXX XXXX {$24000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$9400.00} * *, and State of MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$11000.00} XXXX XXXX These balances are either inaccurate, unverified, or improperly reported, violating FDCPA 809 ( Debt Validation Rights ) and FCRA 623 ( a ) ( 1 ) ( A ) ( Duty to Report Accurate Information ). I also dispute two collection accounts, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$710.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$630.00}, which are being reported without proper verification and may not accurately reflect my obligations.Additionally, I dispute several unauthorized inquiries listed on my report, including XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX ( twice ), XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX These inquiries were not authorized by me and their inclusion violates FCRA 611, which guarantees consumer dispute rights, and FDCPA 807, which prohibits misleading or unauthorized reporting.The combination of incorrect name, inaccurate addresses, misreported charge-offs, unverified collection accounts, and unauthorized inquiries demonstrates a clear failure to report complete and accurate information, contrary to FCRA 623 ( a ) ( 5 ) ( Proper Reporting of Delinquency Dates ) and FCRA 608 ( c ) ( Accurate Reporting of Delinquency Commencement Dates ). These errors materially harm my creditworthiness, misrepresent my financial responsibility, and impact my ability to obtain credit, housing, and employment.I request that Experian immediately reinvestigate all disputed items by contacting the original furnishers for verification and remove or correct any information that can not be fully verified. Any account reported without verification must be deleted, and written verification should be provided for any claimed balances, in accordance with FDCPA 809. I also request that my identifying information be corrected to reflect my accurate name and addresses. Upon completion of the reinvestigation, please provide written confirmation of the results, any corrections made, and a corrected copy of my credit report. Continued reporting of inaccurate, unverified, or misleading information after receipt of this dispute constitutes ongoing harm to my financial integrity and is a violation of federal law. Compliance with FCRA 607, 608, 611, 623 and FDCPA 807, 809 is required to ensure that my credit report is accurate, fair, and complete.

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