Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continuous reporting of inaccurate personal information and account data on my consumer credit file. Despite my multiple disputes and verification requests under the Fair Credit Reporting Act ( FCRA ), the credit bureaus and furnishers have failed to uphold their legal obligations to maintain accuracy, conduct a reasonable reinvestigation, and delete unverifiable or inaccurate information. These repeated violations have caused severe harm to my credit reputation, limited my access to fair credit, and created emotional and financial distress. I am requesting the CFPBs intervention to ensure a full investigation and enforcement of my rights under federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address is being reported on my file, but I have never resided or received mail at this location. The continued listing of this address violates FCRA Section 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy of the information contained in consumer files. This inaccuracy raises security and identity concerns, as it connects me to a location I have no relationship with. I demand its immediate removal from my report and documentation verifying the source that provided this false address. 

ADDRESS XXXX XXXX XXXX XXXX, TX XXXX This address is also inaccurate and unrelated to me. I have no lease, utility bill, or documented proof linking me to this property. Keeping this false information on my credit report misrepresents my identity and violates FCRA Section 611 ( a ) ( 1 ) ( A ), which requires accurate and verifiable data. I am formally requesting deletion of this address and a full audit trail of the furnisher who reported it, as repeated inaccuracies show negligence in your reinvestigation process. 

ACCOUNT XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Reported as Charge-Off This account is being reported as a charge-off ; however, it is not accurate or verifiable as required by FCRA Section 623 ( a ) ( 1 ) ( A ). The original creditor has failed to provide sufficient documentation validating the debt and confirming that the reporting is complete and accurate. Continuing to list this account without verification is a direct violation of FCRA Section 611 ( a ) and FDCPA Section 807 ( 8 ), which prohibit the reporting of false or misleading information. I demand that this account be deleted unless you can provide legally sufficient proof such as the original signed contract, complete payment history, and written validation from the original creditor. The law clearly states that unverifiable or incomplete data must be removed, not continually re-reported after a consumer dispute. 

INQUIRY XXXX XXXX  XX/XX/XXXX This inquiry was not authorized by me. I never provided written or electronic consent for XXXXXXXX XXXX  or any related entity to access my credit file. Reporting an unauthorized hard inquiry violates FCRA Section 604 ( a ) ( 3 ), which defines permissible purposes for obtaining a credit report. Any inquiry made without my explicit consent is considered a breach of privacy and must be removed immediately. Continued reporting of this unauthorized inquiry after multiple disputes demonstrates willful noncompliance with FCRA Section 616 and 617, which allows for legal remedies and damages against parties that willfully or negligently fail to follow the law. 

The CFPB is responsible for ensuring that credit reporting agencies and furnishers of information comply with the Fair Credit Reporting Act. I am requesting that the CFPB take enforcement action to investigate these violations and compel the correction and permanent removal of all inaccurate, unverifiable, and unauthorized information from my credit file. My right to accurate reporting, due process, and fair access to credit must be protected under the FCRA, and the repeated failures by furnishers and credit bureaus to maintain compliance have caused measurable harm.

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