Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am writing to file a formal complaint against several creditors and debt collectors for repeatedly violating my consumer rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report contains multiple accounts with inaccurate information, improper reporting of late payments, charge-offs, collections, and multiple unauthorized credit inquiries, all of which are causing significant harm to my creditworthiness and financial reputation.

Below, I outline the specific accounts and issues : 1. Incorrect Addresses Reported on Credit File XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX These addresses are inaccurate and do not belong to me. Reporting wrong addresses violates my right to accurate and fair reporting under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires furnishers and credit reporting agencies to ensure the accuracy of the information reported.

2. Accounts with Late Payment Reporting XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$32000.00} XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have been reported with late payments inaccurately. Under 15 U.S.C. 1681s-2 ( a ), furnishers must report complete and accurate information and must correct any errors upon notification. Reporting false late payments violates my rights and unfairly damages my credit score. 
3. Charge Off Account XXXX XXXX XXXXXXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} This account has been reported as charged off, but I dispute the validity of this status and request verification. Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to dispute any debt, and the creditor must validate the debt before further collection or reporting.

4. Collections Reporting XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Both accounts are being reported as collections without proper validation. This violates the FDCPA provisions requiring debt collectors to provide proof of debt upon dispute. In addition, inaccurate or unverifiable collection accounts must be removed per FCRA Section 611.

5. Multiple Unauthorized Credit Inquiries XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX/XXXX  ( XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) These inquiries were made without my explicit consent or knowledge, violating my rights under FCRA Section 604 ( a ) ( 15 U.S.C. 1681b ), which requires permissible purpose for each credit inquiry.

Summary and Requested Action : The continued reporting of inaccurate addresses, false late payments, unverified charge-offs and collections, and unauthorized inquiries are clear violations of my rights under federal law. These violations are harming my credit score and financial standing unjustly.

I demand the following actions : Immediate investigation and correction of all inaccurate information on my credit reports.

Removal of any unverifiable or improperly reported late payments, charge-offs, collections, and credit inquiries.

Confirmation that my personal address is correctly reported and that no false addresses appear on my credit profile.

Written confirmation of the actions taken in response to this complaint.

Failure to comply with these requests will leave me no option but to escalate this matter legally.

Please confirm receipt of this complaint and inform me of the steps you will take to resolve these issues promptly.

Thank you for your prompt attention.

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