Consumer complaint received 2025-12-08 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:
I am filing this official complaint against multiple furnishers and the credit reporting agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), 609, 611, 615, 623 and the Fair Debt Collection Practices Act ( FDCPA ). My credit report is currently showing several accounts and inquiries that are inaccurate, unverifiable, unauthorized, and harmful. These items are causing me financial loss, emotional distress, credit denials, and damage to my credibility. I have repeatedly attempted to dispute these items with the credit bureaus, but they continue to appear without proper investigation or verification. The following accounts are disputed : WRONG ADDRESS XXXX XXXXXXXX XXXX XXXX  CA XXXX WRONG ADDRESS ISSUE : This address does not belong to me in any way. I never lived here, rented here, worked here, visited here, used it on any application or provided this address to any institution. Reporting a false address violates FCRA 602A because it exposes me to identity theft risk and makes my credit file mixed with someone elses information. This incorrect address is causing lenders to question my identity and creates severe emotional distress and financial risk. I demand immediate removal because this information is not mine and can not be verified with my ID, lease, utility bills or employment records. 
XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ISSUE : The late payment reporting is completely inaccurate because I have never been late on this account. There is no documentation or proof that any payment was ever missed. Under FCRA 611 ( a ) ( 1 ) ( A ), the furnisher must provide original billing records, payment history logs, timestamps and actual account-level evidenceNOT screenshots or automated reporting. The creditor has repeatedly failed to provide real evidence. This false late payment is damaging my credit, keeping my score lower, and causing me to be denied financial opportunities. I am demanding correction because this is harming me unfairly and unlawfully. 
DEPT OF EDXXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} LATE PAYMENT ISSUE : This late payment reporting is false. I never missed any payment on this account and no original proof exists. Reporting inaccurate educational loan history is a direct violation of FCRA 607 ( b ), because it must be accurate and verifiable. Misreported student loan payments create long-term damage to my credit and prevent me from qualifying for financial aid, refinancing programs and hardship assistance. The furnisher has not provided any legal verification or payment logs. This must be corrected immediately. 
DEPT OF EDXXXX XXXX Date Opened XX/XX/XXXX Balance {$4500.00} LATE PAYMENT ISSUE : This appears to be a duplicated account because it has the exact same open date but a different balance. This inconsistency proves that this reporting is unreliable, mixed, and inaccurate. Duplicate or inconsistent accounts violate FCRA maximum accuracy standards. The late payment is also incorrect as there is no valid supporting evidence. This duplicated and inaccurate data is harming my credit standing and must be deleted or corrected immediately. 
DEPT OF EDXXXX XXXX Date Opened XX/XX/XXXX Balance {$2500.00} LATE PAYMENT ISSUE : Another late payment entry that is not supported by any factual records. I have never received any notice of delinquency nor any billing statement indicating a late payment. Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to see the original documentation used to verify this claim. If the bureau can not produce it, this late payment must be removed. This is causing ongoing damage to my credit profile and opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00} LATE PAYMENT ISSUE : I dispute the late payment because it is reported inaccurately. The furnisher has failed to provide original payment records, timestamps or evidence that I made any late payment. Under 15 USC 1681i, unverifiable information MUST be deleted. This faulty reporting is affecting my ability to get credit approvals and is financially damaging. I am requesting strict reinvestigation and correction. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} LATE PAYMENT ISSUE : This late payment reporting is not accurate and I dispute it in full. I was never late and there is no legal or verifiable proof available from the furnisher. This is a serious reporting violation and impacts my financial opportunities including mortgage approval, travel benefits, and loan eligibility. If the creditor can not prove with original records, the bureau must correct this error immediately. 
XXXX XXXX Date Opened XX/XX/XXXX Balance {$4100.00} CHARGE OFF ISSUE : I have no knowledge of this charge-off account. I do not recognize this debt, never authorized it, never signed for it, and never received any communication regarding this account. Under FCRA 611 and 609, the furnisher must show original signed agreements, application records, statements, and full account history. If they can not prove this account belongs to me through legal documentation, this charge-off must be deleted. Reporting an unknown account is extremely harmful to my financial life and suggests possible identity theft or file mixing. 
XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} CHARGE OFF ISSUE : Reporting a charge-off with a {$0.00} balance is contradictory, misleading and inaccurate. I do not recognize this account and have no knowledge of any delinquency. Without original documentation, this is unverifiable. This false information harms my credit reputation and violates FCRA 602A which requires accuracy and fairness. 
XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ISSUE : The late payment is false because I never made any late payment on this account. No evidence exists. Inaccurate reporting of payment history is harmful and creates long-term credit damage. I am demanding correction because this information can not be legally validated. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} CHARGE OFF ISSUE : I dispute this account entirely. I have no knowledge of this charge-off. The furnisher must provide original application, signature documents, statements, full payment logs and all legal verification. If they can not prove it, this account must be deleted. Reporting false charge-offs significantly harms my creditworthiness and violates multiple sections of the FCRA. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} CHARGE OFF ISSUE : I have no knowledge of this charge-off. A {$0.00} balance being reported as a charge-off is contradictory and misleading. I never authorized this account, never signed any contract, and never received any delinquency notices. Under FCRA 602A and 607 ( b ), furnishers must ensure maximum accuracy. Without original documentation, including original signed agreements and statements, this account is unverifiable and must be deleted immediately. This false reporting is damaging my credit reputation and affecting my financial opportunities. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} CHARGE OFF ISSUE : This charge-off is disputed because I have no verified knowledge of this account. I request the creditor to provide the original signed application, verified account statements, and all payment history logs as required by FCRA 609 ( a ) ( 1 ) ( A ). The furnisher has not provided any verifiable proof that this account belongs to me. Reporting a charge-off without proper validation is a direct violation of FCRA 611 and 623. This inaccurate reporting is causing major financial harm including loan denials and higher interest rates. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ISSUE : The late payment reported for this account is false. I never made any late payment, and no documented billing statement or delinquency notice was ever sent to me. Under FCRA 611 ( a ) ( 5 ), inaccurate information must be corrected or deleted. The furnisher must provide original payment receipts, timestamps, and full transactional evidencenot automated report data. Because no proof exists, this late payment must be corrected immediately. This false reporting harms my credit score, insurance eligibility, and loan approvals. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} COLLECTION ISSUE : I dispute this collection account entirely because I have no knowledge of this alleged debt and never received any validation notice as required by the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( a ). Without original documentation proving this debt belongs to me, reporting it violates FCRA and FDCPA. This appears to be either identity theft, mixed file, or erroneous placement. I demand full deletion since no proof exists and the account is harming me financially. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} COLLECTION ISSUE : I dispute this collection because I do not recognize this debt. XXXX is known to purchase old or unverified accounts, and under FDCPA they must provide full validation including the original creditor agreement, itemized accounting, and legal assignment documents. No such proof has been provided. Reporting an unverified collection is a violation of FCRA 602A and FDCPA 809. This fraudulent reporting is damaging my creditworthiness, and I demand removal if they can not legally validate it. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} COLLECTION ISSUE : This collection account is disputed in full. I do not acknowledge owing this debt. XXXX must provide complete validation including original signed contract, full account history, and proof of ownership. If they can not produce these documents, the account is legally unverifiable. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be corrected or deleted. This collection is causing major financial harm including credit denials and emotional distress. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ISSUE : This inquiry was not authorized by me. I never applied for credit with this company on this date, and unauthorized inquiries violate FCRA permissible purpose rules under Section 604 ( a ) ( 3 ). Any inquiry made without my express consent must be removed immediately. Unauthorized inquiries negatively impact my credit score and create identity theft risk. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ISSUE : This inquiry was not authorized, and I did not grant permission for any credit access. Under FCRA 604, creditors must obtain written or electronic authorization before pulling a consumer credit report. Since this inquiry was performed without my consent, it is a violation of my rights and must be deleted immediately. 
These inaccurate and unverifiable items continue to harm my ability to obtain credit, secure housing, and maintain financial stability. I am requesting the CFPB to fully investigate the furnishers and the credit reporting agencies for failing to maintain maximum possible accuracy, failing to verify disputed information, and failing to follow FCRA and FDCPA requirements. I want all unverifiable, inaccurate, unauthorized, and misleading information permanently removed from my credit report and I request action against the furnishers who continue reporting incorrect data. 
I am requesting immediate CFPB intervention to ensure compliance with FCRA and to correct all of the above items.

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