Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the following furnishers for serious violations of the Fair Credit Reporting Act ( FCRA ). My consumer report is currently showing multiple inaccurate addresses, unauthorized inquiries, incorrect late payment reporting, and charge-off accounts I have no knowledge of. These errors are harming my credit profile and violating my rights under FCRA 602, 607 ( b ), and 611.

1. WRONG / FRAUDULENT ADDRESSES ( Not Mine ) The following addresses are reporting on my credit file, and I have never lived at, used, or been associated with ANY of these locations : XXXX XXXX PL, XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX RIVERSIDE, CA XXXX Wrong Address These addresses are completely inaccurate and must be removed immediately for failure to maintain maximum possible accuracy ( FCRA 607 ( b ) ). 

2. CHARGEOFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS I am also disputing the following charge-off accounts. 
I do NOT recognize these accounts, nor have I ever authorized or opened them. 
They must be investigated as potential identity theft or misreporting : XXXX XXXX High Balance {$0.00} Date Opened : XX/XX/XXXX Charge-Off EXETER FIN High Balance {$21000.00} Date Opened : XX/XX/XXXX Charge-Off Under FCRA XXXX ( XXXX ) and XXXX, I am requesting full validation, including : Signed contract Application Proof of responsibility Statements Payment history All documents bearing my signature If these can not be provided, the accounts must be deleted immediately. 

XXXX. INCORRECT LATE XXXX XXXX XXXX XXXX High Balance {$2800.00} Date Opened : XX/XX/XXXX Reported Late Payment The reported late payment is completely inaccurate. 
I have NEVER made a late payment on this account. 
This is a violation of 607 ( b ) accuracy standards and must be corrected.

I demand that this late payment be removed and replaced with the accurate payment history. 

4. UNAUTHORIZED / SUSPICIOUS CREDIT INQUIRY The following inquiry is unauthorized. I did not give permission, apply for credit, or request any service : XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), this inquiry does not meet the permissible purpose requirements and must be removed. 

REQUEST FOR CFPB XXXX I respectfully request that the CFPB compel the credit bureaus and furnishers to : Remove all wrong addresses immediately Delete all charge-off accounts I have no knowledge of Correct the false late payment Remove the unauthorized inquiry Provide full documentation validating any account they claim belongs to me Ensure all furnishers comply with FCRA 607 ( b ), 609, and 611 These inaccuracies are causing measurable harm to my creditworthiness and financial stability. 

Thank you for your attention to this matter. I request a full investigation and written results.

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