Consumer complaint received 2025-12-01 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:
To Whom It May Concern : I am submitting this formal complaint and exercising my rights under the Fair Credit Reporting Act ( FCRA ) 604, 605B, 607 ( b ), 611, 623, and the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) to dispute the accuracy, completeness, and validity of the following information on my credit report. I demand a thorough investigation and immediate correction or deletion of any unverifiable or inaccurate items. Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is incorrectly reported on my credit file and is not associated with me. Reporting incorrect addresses violates FCRA 609 ( a ) ( 1 ) and creates confusion regarding my credit identity. I demand immediate correction of this address. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : XXXX XXXX XXXX  I have no knowledge of this account and never authorized any credit agreement with XXXX XXXX XXXX. The charge-off is inaccurate and unverified. Under FCRA 611, I demand deletion of this account. 
XXXX XXXX XXXX  XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$1400.00} * * This account is incorrectly reported as a charge-off. I have no record or knowledge of any default, late payment, or charge-off with XXXX XXXX XXXX This is a violation of FCRA 609 and 623. I demand deletion of this inaccurate charge-off. 
XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$320.00} * * This late payment is falsely reported. I have never missed a payment on this account. Reporting incorrect late payments violates FCRA 611 and misrepresents my payment history. I demand immediate correction of the payment history to reflect accurate, on-time payments. 
XXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$20.00} * * I have never made a late payment on this account. This inaccurate reporting negatively impacts my creditworthiness and violates FCRA 611. I request that this accounts payment history be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$700.00} * * This charge-off is inaccurately reported. I never authorized any credit or incurred a balance that could be charged off. Under FCRA 611, I demand immediate removal of this inaccurate information. 
XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$810.00} * * I dispute this charge-off as I have no knowledge of this account. Reporting this violates FCRA 607 ( b ), 611, and misrepresents my credit obligations. Immediate deletion is required. 
XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$100.00} * * This account is unverified and was never authorized by me. Reporting a charge-off on an unverified account is a clear violation of FCRA 611. I demand deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX High Balance : {$1000.00} * * I never missed any payment on this account. This reporting is false and damaging to my credit profile. Under FCRA 611, I request correction of the payment history immediately. 
XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX High Balance : {$710.00} * * This late payment is inaccurately reported. I have never missed any payments on this account. Reporting false late payments violates FCRA 611 and misrepresents my payment history. I demand immediate correction of this account. 
XXXX XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX High Balance : {$240.00} * * I dispute this late payment as I have always paid on time. This false reporting negatively affects my creditworthiness and violates FCRA 611. Correct the payment history immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXollection Date Opened : XX/XX/XXXX High Balance : {$2100.00} * * I do not recognize this account and have no knowledge of any debt owed to XXXX XXXX XXXX XXXX. Reporting a collection on an unverified account violates FCRA 611 and 623. I demand deletion of this account immediately. 
XXXX XXXX XXXX  XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$670.00} * * This collection is inaccurately reported and unverified. I have no record of this account. Under FCRA 611, I demand immediate removal. 
XXXX XXXX XXXX XXXXXXXX XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$2200.00} * * I have no knowledge of this account and never authorized any debt with XXXX XXXX XXXX. The collection is unverified and misrepresents my credit history. Immediate deletion is required under FCRA 611. 
XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX High Balance : {$1300.00} * * I dispute this collection as I have no knowledge of this account. Reporting unverified debts violates FCRA 611. Immediate removal is requested. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$1800.00} * * I do not recognize this charge-off and never authorized any credit with XXXX XXXX XXXX Reporting a charge-off on an unverified account violates FCRA 607 ( b ), 611, and misrepresents my credit history. Immediate deletion is required. 
XXXX XXXXXXXX XXXX XXXX  XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$740.00} * * I have no knowledge of this account and never authorized credit with XXXX XXXX XXXX. Reporting a charge-off on an unverified account violates FCRA 611. I demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} * * This charge-off is inaccurately reported. I have no record of any default or outstanding balance with XXXX XXXX. Under FCRA 611, I request deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$57.00} * * I dispute this late payment as I have never missed a payment. Reporting false late payments violates FCRA 611. I demand immediate correction of this account. 
XXXX XXXX XXXX XXXXXXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : XXXX XXXX XXXX I do not recognize this account. Reporting an unverified charge-off is a violation of FCRA 611 and 623. Immediate deletion is required. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$690.00} * * This late payment is falsely reported. I have always paid on time. FCRA 611 requires correction of any inaccurate payment history. I demand immediate update. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * I dispute this late payment as inaccurate. Reporting false late payments violates FCRA 611. Immediate correction is requested. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. Unauthorized inquiries violate FCRA 604 ( a ) ( 3 ). I demand deletion. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and should be removed under FCRA 604 ( a ). 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my consent. I demand removal. 
XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Immediate deletion is required. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry ; remove per FCRA 604. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me and violates FCRA 604 ( a ). I demand deletion. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry ; remove immediately. 
XXXX XXXX  XX/XX/XXXX Inquiry I did not authorize this inquiry. Delete per FCRA 604. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry ; remove immediately. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry I did not authorize this inquiry. Immediate deletion requested.

I demand that all items be fully investigated and verified. Any unverifiable or inaccurate items must be deleted or corrected immediately. Failure to comply will result in formal complaints with the CFPB, FTC, and potential legal action for violations of my rights under the FCRA and FDCPA.

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