Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting suspected fraud involving, identity theft, misuse of my personal information, and inaccurate information on my report for all addresses listed as well as the name XXXX XXXX which does not belong to me. 
I am formally disputing the accuracy of several accounts and personal identifiers being reported under my consumer credit file. After reviewing my Equifax credit report ( Confirmation # [ insert, from report ] ), I identified the following discrepancies : 1. Personal Information Errors Wrong Name : My file includes the name XXXX XXXX, which is not correct. 

Wrong Addresses : The report lists multiple addresses that do not belong to me, including but not limited to : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. Inaccurate Accounts Reported The following accounts appear as negative entries but contain discrepancies in ownership, balances, or reporting dates : * XXXX XXXX XXXX  Account XXXX * XXXX Account XXXX * XXXX XXXX XXXXXXXX Account XXXX * XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX ( XXXX ) These accounts are either not mine, inaccurately reported, or unverifiable as currently listed. 

XXXX. Hard Inquiries in Question Additionally, I request verification of the following hard inquiries, which I do not recognize or authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) Request for Action Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to : Request full validation of the above accounts and inquiries, including original contracts, statements, and chain of assignment. 

Demand removal of any inaccurate, unverifiable, or fraudulent information from my consumer report. 

Require correction of my personal information, ensuring my legal name and correct address are reflected. 

Please respond to this request within 30 days, as required by law. Failure to comply will result in further action, including complaints to the FTC, State Attorney General, and legal remedies available to me. 

The following Accounts need XXXX XXXX XXXX Account # : XXXX XXXXXXXX Balance : {$310.00} Status : Closed / Collection. Date reported : XX/XX/XXXX ( XXXX delinquency listed XX/XX/XXXX ; date opened XX/XX/XXXX ). 

XXXX ( XXXX ) XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX : {$2100.00} Status : Closed / Charge-off. Date reported : XX/XX/XXXX ( Date opened XX/XX/XXXX ; Date of XXXX delinquency XX/XX/XXXX ; Date closed XX/XX/XXXX ; last activity/payment shown XX/XX/XXXX ). 

XXXX ( XXXX ) XXXX XXXX XXXX Account # : XXXX XXXXXXXX Balance : {$11000.00} Status : Closed / Charge-off. Date reported : XX/XX/XXXX ( Date opened XX/XX/XXXX ; XXXX delinquency XX/XX/XXXX ; last payment XX/XX/XXXX ). 

XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX Balance : {$16000.00} Status : Closed / Auto charge-off. Date reported : XX/XX/XXXX ( Date opened XX/XX/XXXX ; XXXX delinquency XX/XX/XXXX ; last payment XX/XX/XXXX ). 

XXXX ( XXXX ) Collection XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) Account # : XXXX XXXXXXXX Balance : {$150.00} Status : Collection ( Assigned XX/XX/XXXX ). XXXX reported : XX/XX/XXXX ( Date of XXXX delinquency : XX/XX/XXXX ). 

XXXX ( XXXX )

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