Consumer complaint received 2025-12-08 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 filing an official complaint against the credit reporting agencies and the furnishers listed below for reporting multiple inaccurate items on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ) including XXXX U.S.C. XXXX, XXXX, XXXX ( b ), and XXXX. My file is clearly mixed with someone else and contains accounts, addresses, and inquiries that do not belong to me, as well as false late payment reporting. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX WRONG ADDRESS I have never resided in XXXX XXXX and this incorrect address is causing mixed-file reporting. This address must be removed immediately as required under FCRA XXXX ( b ). 
XXXX XXXXXXXX XXXX  High Balance : {$190000.00} Date Opened : XX/XX/XXXX LATE PAYMENT * * This account is reporting late payments that are completely inaccurate. I never made any late payments, and the servicer has no signed proof showing otherwise. This is an error in reporting and violates FCRA XXXX ( reinvestigation ) and FCRA XXXX ( b ) ( maximum accuracy ). The late payment history must be corrected immediately. 
XXXX XXXXXX/XX/XXXXHigh Balance : {$15000.00} Date Opened : XX/XX/XXXX LATE PAYMENT * * XXXX is reporting late payments I did not make. There is no supporting documentation proving lateness. This is inaccurate, harmful, and must be corrected under FCRA law. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX LATE PAYMENT * * I dispute all late payments on this account. I have no record of ever being late and demand full investigation with documentation. If your furnisher can not provide it, delete the negative marks. 
XXXX XXXXXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX LATE PAYMENT * * This late payment is wrong and damaging. I did not make any late payments, and this reporting violates FCRA XXXX ( b ). Correct it. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX LATE PAYMENT * * This account is reporting incorrect late payments without proof or verification. I dispute all late history and request correction. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was done without my knowledge or approval. Remove it under FCRA XXXX. 
WHAT I AM REQUESTING I request the CFPB to require the credit bureaus and furnishers to : XXXX. Remove all wrong addresses. 
XXXX. Correct all false late payment history or delete the negative information if they can not verify it with actual documentation. 
XXXX. Remove all unauthorized inquiries. 
XXXX. Provide proof of verification used to report each item. 
XXXX. Ensure compliance with all FCRA requirements moving forward. 
These errors are harming my credit and causing financial damage. I am requesting immediate investigation and correction.

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