Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies, unauthorized inquiries, and erroneous accounts appearing across my credit reports with Experian, Equifax, and TransUnion. These inaccuracies are materially affecting my financial standing, creditworthiness, and access to loans, housing, and other essential financial services. Upon careful review of my credit reports, I discovered that the reported information is inconsistent, unverifiable, and in some cases, entirely fraudulent. Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy in all reported data, and under FCRA 611 ( a ) ( 1 ), I am entitled to a full reinvestigation of any disputed items, including verification with the furnishers. The errors identified are detailed below. 
First, I dispute the inaccurate addresses reported exclusively on Experian, which include XXXX XXXX XXXX, XXXX, MI XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX I have never resided at these addresses, nor have I authorized any activity or transactions linked to these locations. The presence of these addresses misrepresents my residency, potentially causing lenders and creditors to misjudge my stability and financial history. These inaccuracies are not minor clerical errors, they suggest either identity theft or gross negligence in reporting, both of which have direct financial consequences. I demand that these addresses be permanently deleted from my credit file and that all three bureaus provide written confirmation along with updated credit reports. FCRA 609 ( e ) grants consumers the right to request verification of any information reported about them, and these addresses can not be substantiated, thus they must be removed. 
Next, I dispute all charge-off accounts reported across all three bureaus, which include : XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$410.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$670.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$620.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX. These accounts are inaccurately reported with incorrect balances, conflicting histories, or unverifiable payment records. I have made multiple efforts to obtain detailed statements, original contracts, and account verification from the furnishers, yet the bureaus continue to report them as verified debts. This violates FCRA 611 ( a ) ( 1 ), which entitles me to a thorough reinvestigation of all disputed items, and FCRA 607 ( b ), which mandates maximum accuracy. Additionally, the reporting of charge-offs that can not be substantiated is reckless and has negatively impacted my ability to obtain credit, loans, and housing, resulting in tangible financial harm. I demand that all charge-offs that can not be fully verified be permanently removed, and that updated reports and written confirmation be provided to me immediately. 
Furthermore, I dispute all collection accounts reported, which include : XXXX XXXX XXXX XXXX XXXX XXXX ( {$420.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$960.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$610.00} ), XXXX XXXX ( XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX ( {$560.00} ), XXXX XXXX ( XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX ( {$720.00} ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXi ) XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ), XXXX XXXX ( XXXX XXXX XXXX Bank XXXX A ) XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XXXX XXXX. Each of these collections contains errors in balances, dates, or ownership and can not be verified with documentation from the original creditors. The reporting of collections in this manner is a violation of FCRA 623 ( a ) ( 1 ), which requires furnishers to provide complete and accurate data, and the failure to investigate and correct these accounts constitutes negligent reporting that harms my credit profile and financial reputation. Additionally, unauthorized or unverifiable hard inquiries reported only on Experian, including XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, and XXXX XXXX XXXX XX/XX/year> are listed XXXX XXXX XXXX. Under FCRA 604 ( a ), inquiries may only be made with my explicit consent or for a permissible purpose. Since no such authorization exists, these inquiries are unlawful and must be immediately deleted. The duplication of some inquiries, along with missing entries in other bureaus, demonstrates systemic negligence that must be corrected.

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