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: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies ( Experian, TransUnion, and Equifax ) and the following furnishers for reporting inaccurate, unverified, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Despite my prior dispute and the required XXXX reinvestigation period, these items remain unresolved. I have not received any documentation proving the accuracy, ownership, or validation of these accounts. 
WRONG ADDRESSES ( UNAUTHORIZED / NEVER LIVED AT ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no association with this location. Please delete it from my credit profile immediately. 
These addresses are causing confusion and potential identity issues. Under FCRA 607 ( b ), you must maintain only accurate and verifiable personal information. Remove these addresses immediately. 
INACCURATE ACCOUNT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX  High Balance : {$55.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account. I never had any account with this company that was charged off. Please provide full validation including original signed contract and payment history. If you can not verify with actual documents, delete this item under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Late Payment High Balance : {$1700.00} | Date Opened : XX/XX/XXXX This account is reporting inaccurate late payments. I have never missed or made any late payments on this account. Please correct this reporting immediately as it is damaging my payment history and overall creditworthiness. 
XXXX XXXX XXXX  Late Payment High Balance : {$3000.00} | Date Opened : XX/XX/XXXX The payment history shown is incorrect. I am requesting full validation and accurate documentation showing when these alleged late payments occurred. If you can not provide such documentation, you must update the payment history to reflect Paid as agreed. 
XXXX XXXX XXXX XXXX XXXX : {$520.00} | Date Opened : XX/XX/XXXX This alleged collection is inaccurate and unverifiable. I do not have any records or communications regarding this debt. Delete immediately under FCRA 611 for failure to verify.

XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$5500.00} | Date Opened : XX/XX/XXXX No knowledge or agreement exists for this debt. I demand proof of ownership, original contract, and chain of title of the debt. If this can not be produced, it must be removed under FCRA 611 and FDCPA 809 ( b ). 
XXXX XXXX Collection High Balance : {$520.00} | Date Opened : XX/XX/XXXX This account is reported in error. I never had any business or agreement with XXXX. Delete this unverifiable and inaccurate entry immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX  Collection High Balance : {$8700.00} | Date Opened : XX/XX/XXXX This collection is unverified and inaccurate. I request complete documentation proving the validity, ownership, and accuracy of this debt. If unavailable, delete immediately under FCRA XXXX. 
XXXX XXXX XXXX XXXX Collection High Balance : {$920.00} | Date Opened : XX/XX/XXXX This account is inaccurate and can not be verified. Remove this entry unless complete validation can be provided. 
UNAUTHORIZED OR SUSPICIOUS HARD INQUIRIES These inquiries were made without my authorization and must be removed under FCRA 604 ( a ) ( 2 ) which requires consumer consent. 
XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries. Please remove them immediately to correct my credit report. 
REQUESTED RESOLUTION I am requesting that the CFPB : XXXX. Investigate these violations by Experian, TransUnion, Equifax, and the listed furnishers. 
XXXX. Compel the removal of all unverifiable, inaccurate, and duplicate accounts. 
XXXX. Delete all wrong addresses from my credit file. 
XXXX. Remove all unauthorized hard inquiries that were made without my consent. 
XXXX. Ensure all furnishers and credit bureaus comply with FCRA and FDCPA standards moving forward. 
Please confirm receipt of this complaint and provide updates on the status of the investigation. 
I am attaching copies of my identification and proof of address to verify my identity.

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