Consumer complaint received 2025-11-19 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 filing this formal complaint because the credit bureaus and furnishers listed below are reporting false, inaccurate, and harmful information about me, causing financial damage, mixed-file errors, and negligent reporting. I have repeatedly disputed these items and the bureaus continue to verify unverified and incorrect data. This is a serious violation of the Fair Credit Reporting Act including FCRA 602 ( Congressional Findings ), 607 ( b ) ( Maximum Possible Accuracy ), 611 ( Reinvestigation Requirements ), 604 ( Permissible Purpose for Inquiries ), and 623 ( Furnisher Responsibility ). I am requesting immediate intervention and investigation from the CFPB. 
XXXXXXXX XXXX AT XXXX XXXX, TX XXXX WRONG ADDRESS This address has never belonged to me and has no connection to my identity This is a clear mixed-file error and violates FCRA 607 ( b ) because you are reporting inaccurate identifying information Remove immediately XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS I have never lived here, never used this address, and it does not match any of my historical residences Continuing to report false addresses is negligence and a violation of FCRA 602 and 607 Delete this address immediately XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX I have no knowledge of this account and have never authorized it This appears to be identity confusion, mixed file, or inaccurate reporting FCRA XXXX prohibits furnishing information that is false or unverifiable Delete this account immediately XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX I dispute this account in its entirety I do not acknowledge it, it does not belong to me, and it XXXX be the result of mixed-file or data contamination Delete immediately for violation of FCRA 607 ( b ) XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX  I dispute this account because the information being reported is inaccurate, incomplete, and can not be verified under FCRA 611 ( d ) Remove this account immediately XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * This late payment is completely incorrect I have never been late on this account Reporting false late history is a violation of FCRA 623 ( a ) ( 1 ) ( A ) Correct the payment history immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  I dispute this account because this information is inaccurate and unverifiable Furnisher must prove legitimacy or remove immediately under FCRA 611 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX  This account is reporting incorrect and harmful data I dispute this account entirely The creditor must validate or delete, as required by federal law XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX This late payment history is completely false I have never made late payments on this account Reporting inaccurate payment history is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) This negative mark is harming my credit and must be corrected immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$34000.00} XXXX XXXX  I dispute this late payment information in full The data is inaccurate and does not match my actual payment history Under FCRA 607 ( b ) you are required to ensure maximum accuracy and this negative report is not accurate The furnisher must verify with exact payment records or remove the late mark immediately XXXX XXXX Inquiry XX/XX/XXXX Unauthorized, impermissible, and harmful inquiry Delete this item immediately XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry and it was made without my permission It must be deleted under FCRA XXXX XXXX Inquiry XX/XX/XXXX Another unauthorized inquiry I demand immediate removal for violation of permissible purpose SUMMARY OF COMPLAINT These accounts and inquiries are causing severe financial harm and limiting my ability to obtain credit. The bureaus have refused to correct these errors despite multiple disputes. These furnishers are reporting data that is false, unverifiable, duplicated, and in violation of federal law. I am requesting CFPB intervention to force a complete investigation, demand verification of each disputed item, and require deletion of all unverifiable, inaccurate, or unauthorized data. I am also requesting that all furnishers be required to provide documentation proving permissible purpose for every inquiry listed.

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