Consumer complaint received 2025-11-04 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 regarding multiple serious inaccuracies appearing on my credit reports. These errors are negatively affecting my creditworthiness and do not reflect accurate or verifiable information about me. Despite my efforts to resolve these issues directly with the credit reporting agencies and furnishers, the inaccuracies persist. Therefore, I am requesting your immediate investigation and enforcement action under the Fair Credit Reporting Act ( FCRA ). 

1. Wrong Addresses Reported The following addresses are being inaccurately reported on my credit file, and I have no connection or association with them whatsoever : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not mine, nor have I ever lived or received mail at these locations. Reporting such incorrect personal information is a direct violation of FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy. I am requesting the immediate deletion of these false addresses from my credit report. 

2. Charge-Off Account ( No Knowledge ) XXXX  Account ending XXXXXXXX XXXX  High Balance : {$7400.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this account whatsoever. I never opened or authorized any account with this creditor. Reporting this alleged charge-off account is inaccurate, misleading, and damaging to my credit standing. I demand its immediate deletion as required by FCRA 611 and 623.

3. Inaccurate Late Payment Reporting The following accounts are being incorrectly reported as having late payments. These records are false I have never made a late payment on these accounts. The payment histories are completely inaccurate : XXXXXXXX XXXX Account ending XXXX * | High Balance : {$680000.00} | Opened : XX/XX/XXXX XXXXXXXX XXXX Account ending XXXX * | High Balance : {$2000.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX  Account ending XXXX * | High Balance : {$360.00} | Opened : XX/XX/XXXX These creditors have reported false payment information in violation of FCRA 623 ( a ) ( 1 ) ( A ). I am requesting that the late payment notations be corrected immediately to reflect a perfect payment history.

4. Unauthorized or Questionable Inquiries My report shows the following recent inquiries that I did not authorize or initiate : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for credit or authorize any of these entities to access my report. These inquiries are unlawful and damaging and should be immediately removed as per FCRA 604.

Requested Action I am formally requesting the CFPB to : Conduct a full investigation into these inaccurate items.

Direct the credit reporting agencies and furnishers to delete or correct all false and unverifiable information listed above. 

Ensure all parties comply with the Fair Credit Reporting Act ( FCRA ) and provide documentation verifying the results of their investigation.

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