Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am filing a formal complaint against the credit reporting agencies and the following furnishers for reporting inaccurate, unverified, unauthorized, and false information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable federal regulations. The items listed below contain false late payments, charge-offs, collections, and inquiries that I did not authorize or that do not belong to me. The furnishers have failed to provide any valid documentation, contracts, billing history, or legally required proof to verify these accounts. I am requesting immediate investigation, deletion, correction, and full compliance with federal law. 
WRONG ADDRESSES I Never Lived at These Locations XXXX XXXX XXXX, FL XXXX Wrong Address I have never lived here, never used this address for any purpose, and this is a completely inaccurate entry tied to fraudulent or mixed-file activity. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This location is not associated with me in any way and must be deleted immediately. 

ACCOUNT DISPUTES WRONG, UNVERIFIABLE, OR NOT MINE XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$520.00} Charge Off I dispute this entire account because I have no knowledge of any charge-off, no contract, no valid billing history, and no documentation validating this reporting. This appears to be either identity-mix, inaccurate reporting, or unverifiable data. Remove immediately if XXXX XXXX can not produce verifiable proof. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00} Charge Off I dispute this account as I did not authorize any credit line or delinquency with XXXX. No documentation exists proving my liability. Reported status is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment I never made any late payments on this account. The reported late history is entirely false and must be corrected to reflect perfect payment. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$240.00} Charge Off This account is not mine, I never authorized it, and I have no relationship with XXXX. Reporting is completely unverifiable and must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment I dispute these late payments as inaccurate ; there is no proof that I missed any payments. Correct immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} Late Payment This account is reporting false late payments ; I never made any late payments and demand correction under FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Late payment reporting is false and completely inaccurate ; I demand immediate correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This reporting is inaccurate ; I never made late payments and the furnisher can not verify with supporting documents. Correct immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment The late payment information is false and must be corrected as I have never been past due on this account. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment The late payment reported on this account is completely inaccurate. I was never late on this account, and there is no valid record or documentation to prove otherwise. This status must be corrected immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment entry is false and unverifiable. I paid on time, and there is no legitimate reason for any late mark. Under FCRA accuracy requirements, this must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Charge Off I dispute this charge off because I have no knowledge of it, no valid contract, no signed documents, and no verifiable account history. This appears to be mixed-file or inaccurate reporting. If XXXX XXXX can not verify this account with proper documentation, it must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment I never made any late payments on this account. The reported late history is false and unsupported. This must be corrected immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Charge Off This account is not mine, I did not authorize it, and I have no relationship with this credit union. It is inaccurate and unverifiable and must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off This is another inaccurate account that does not belong to me. There is no contract, no proof, and no verification. It must be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Collection This collection account is false. There is no verifiable documentation that ties this account to me. It must be deleted immediately.

INQUIRY DISPUTES UNAUTHORIZED, NOT MINE, NEVER GAVE PERMISSION XXXX XXXX XX/XX/XXXX Inquiry I did not apply for any credit with this company. This inquiry is unauthorized and must be deleted. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized and unverifiable. Must be removed. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry I did not authorize this. Remove. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized . Must be deleted. 
XXXX XXXX XX/XX/XXXX Inquiry I never applied. Remove this inquiry. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized and inaccurate. Must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this lender to access my credit file. Remove immediately. 
XXXX  XX/XX/XXXX Inquiry Unauthorized, inaccurate, and must be removed.

I am asking the CFPB to investigate these errors, hold the furnishers and bureaus accountable for failing to follow federal law, and require deletion or correction of any item that can not be fully verified with real documentation. I am also requesting written confirmation of all results and copies of all documents used to verify each disputed account or inquiry. I expect immediate action as these inaccuracies are harming my credit profile and violating my consumer rights.

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