Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am filing this complaint because the credit bureaus ( Experian, Equifax, TransUnion ) and several furnishers have violated the Fair Credit Reporting Act ( FCRA ) including but not limited to 602, 603, 604, 605, 606, 607, 609, 611, and 623 by reporting inaccurate, unverified, incomplete, and fraudulent information on my credit report. The bureaus have failed to maintain maximum possible accuracy, failed to properly reinvestigate, and failed to provide verification for disputed items. I am requesting the CFPB to intervene immediately. 
WRONG ADDRESS REPORTING ( VIOLATION OF FCRA 604, 607, 609, 611 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address This address does not belong to me. I have never lived here, used it, rented it, or provided it to any creditor. Reporting an address that is not mine creates identity confusion, increases fraud risk, and violates FCRA accuracy requirements. I am demanding immediate deletion. 
XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$6600.00} Type : Charge Off Issue : I have no knowledge of this debt. No contract, no application, no signed agreement has ever been provided to me. Under FCRA 609 and 611, if XXXX can not produce the original signed documentation proving this account is mine, the bureau must delete it immediately. I never authorized this account and never received validation. 
XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX High Balance : {$2700.00} Type : Charge Off Issue : This account is being reported inaccurately. I have no memory of opening this account and XXXX XXXX  has never provided any legally required validation. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher can not report data that is inaccurate or unverifiable. This account must be removed. 
XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$710.00} Type : Late Payment Issue : The late payment status is false. I never made a late payment, and I never received any notice of delinquency. FCRA 607 ( b ) requires complete accuracy. Since the furnisher can not validate any late payment history, this must be corrected to show ON-TIME payment history only. 
XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$480.00} Type : Charge Off Issue : I do not recognize this account. No validation or original agreement has ever been provided. Under FCRA 609 ( a ) ( 1 ) ( A ), you must produce the original documentation. If you can not, this account must be deleted immediately. 
XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Balance : {$78000.00} Type : Late Payment Issue : I never made any late payments on this account. The reporting is inaccurate and is damaging my credit profile. FCRA 611 requires a reinvestigation and correction of all inaccurate data. Please update this account to reflect perfect payment history. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$12000.00} Type : Late Payment Issue : This late payment reporting is incorrect. I never missed any payments and no proof of delinquency exists. Under FCRA 623 ( b ), furnishers must correct or remove false information. Correct the payment history immediately. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$5100.00} Type : Charge Off Issue : I do not recognize this account. The reporting is unverified, incomplete, and invalid under FCRA 609 and 611. If the furnisher can not provide the original agreement, the bureau must delete this entry.

HARD INQUIRIES ( UNAUTHORIZED FCRA 604 ) These inquiries were never authorized by me. I did not apply for credit on these dates and I demand removal for unauthorized access to my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These companies had no permissible purpose under FCRA 604 ( a ), and therefore these inquiries must be deleted immediately.

REQUEST FOR CFPB ACTION I am requesting that the CFPB : Force the credit bureaus to conduct a lawful, complete reinvestigation Require furnishers to provide original documentation or delete the accounts Remove all false late payments Delete all unverifiable charge-offs Remove unauthorized inquiries Remove all wrong addresses Ensure all furnishers comply with FCRA accuracy and investigation requirements Provide me a written resolution The continued reporting of inaccurate, unverified, and fraudulent information has caused significant harm, including credit denials, emotional distress, and financial setbacks. I need immediate correction and enforcement.

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