Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding multiple inaccurate and unauthorized entries on my credit report. These errors are negatively impacting my creditworthiness and constitute violations under the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, correction, or deletion of the following items : The disputed items are as follows : XXXX XXXX, XXXX XXXX, LA XXXX Wrong Address This address has never been associated with me. The reporting of this incorrect address is misleading, causing confusion and potential identity issues. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Wrong Address This address is completely inaccurate. I demand its immediate removal from my credit file. 
XXXX XXXX Account XXXX XXXX, High Balance : {$680.00}, Date Opened : XX/XX/XXXX Late Payment * * I have never made any late payment on this account. The current late payment status is false, misleading, and damaging. I demand that this account reflect accurate payment history immediately. 
XXXX Bank Account XXXX XXXX, High Balance : {$1400.00}, Date Opened : XX/XX/XXXX Charge Off * * I have no knowledge of this account, and the charge-off status is entirely inaccurate. This account must be investigated thoroughly and deleted from my report. 
XXXX Account XXXXXXXX XXXX, High Balance : {$580.00}, Date Opened : XX/XX/XXXX Charge Off * * I deny ever opening this account. Reporting it as a charge-off is fraudulent and unacceptable. Immediate deletion is demanded. 
XXXX Account XXXX XXXX High Balance : {$5500.00}, Date Opened : XX/XX/XXXX Charge Off * * I never opened or authorized this account. The charge-off is fraudulent and must be immediately removed from my credit history. 
XXXX XXXX XXXXr Account XXXX, High Balance : {$2500.00}, Date Opened : XX/XX/XXXX Charge Off * I have no knowledge or involvement with this account. Reporting it as a charge-off is false and must be expunged immediately. 
XXXX XXXX Account XXXX XXXX High Balance : {$20000.00}, Date Opened : XX/XX/XXXX Charge Off * * I deny any responsibility for this account. This charge-off is inaccurate and misleading. Immediate deletion from my credit report is required. 
XXXX XXXX XXXX Account XXXX, High Balance : {$5700.00}, Date Opened : XX/XX/XXXX I deny ever opening or being responsible for this account. Its reporting as a collection is completely false. Immediate deletion is demanded. 
XXXX XXXX XXXX Account XXXX XXXX High Balance : {$710.00}, Date Opened : XX/XX/XXXX I never authorized or opened this account. Its reporting is inaccurate and must be corrected or deleted. 
XXXX XXXX  Account XXXX XXXX, High Balance : {$580.00}, Date Opened : XX/XX/XXXX Duplicate reporting of the same account is unacceptable. I demand immediate correction and deletion. 
XXXX XXXX XXXX Account XXXX XXXX, High Balance : {$4900.00}, Date Opened : XX/XX/XXXX Reporting is inaccurate and misleading. Immediate deletion required. 
Unauthorized/Inaccurate Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Content for inquiries : I did not authorize these inquiries, and they are either inaccurate or fraudulent. Each unauthorized inquiry must be removed immediately to prevent further damage to my credit profile. 
Summary & Demands All of the above accounts and inquiries are either fraudulent, inaccurate, or unverifiable. Their continued reporting is a violation of federal law and causing significant harm to my financial reputation. I demand : 1. Immediate investigation of each item listed above.

2. Correction or deletion of all inaccurate accounts and unauthorized inquiries. 3. Written confirmation of corrections to my credit file once completed.

Failure to comply may result in further legal action to protect my rights under the FCRA. I expect a response within 30 days as required by law.

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