Consumer complaint received 2025-11-11 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 complaint against the credit reporting agencies and furnishers for reporting inaccurate and misleading information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These items listed below are being reported incorrectly and are causing serious harm to my creditworthiness, financial stability, and personal reputation. I have previously disputed these items, but the reporting agencies have failed to conduct a lawful reinvestigation as required by law. Each item below contains factual inaccuracies, and I am requesting a full investigation by the CFPB into these unlawful reporting practices. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, CA XXXX This address has no verified connection to me and was never part of any account I held. Reporting unverified address information violates 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). Its continued presence after prior disputes shows failure to maintain accurate data. This false address causes mixed file issues and identity confusion. Delete this entry immediately if no proof of residence is provided. 

XXXX XXXX XXXX XXXX, CA XXXX This address is not mine and must be deleted. Under XXXX ( b ), only verified information may appear on a credit file. Keeping this address after previous disputes violates 1681i ( a ) ( 1 ) ( A ). There is no record of my residency or any account tied to it. Retaining it misrepresents my identity and breaches your duty of accuracy under federal law. 

ACCOUNTS XXXX Account XXXX : XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is reporting false late payments despite showing a XXXX balance. Reporting closed or paid accounts with derogatory marks violates 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). No documentation from the furnisher verifies this history. Keeping unverifiable late data is misleading and unlawful. Delete or correct immediately under 1681i ( a ) ( 5 ) ( A ). 

XXXX XXXX Account # : XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Charge Off * * This charge-off is inaccurate and unverified. Under 1681e ( b ) and 1681i ( a ) ( 2 ), no documentation has been provided to confirm validity. Reporting unverifiable charge-offs misrepresents my payment history and violates accuracy standards. If TransUnion can not validate with proper proof from the furnisher, it must be deleted under 1681i ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose. Under 1681b ( a ) and 1681b ( f ), access to my credit report requires consent, which was never given. Delete immediately as it violates FCRA privacy laws. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized or initiated by me. Reporting unauthorized access violates XXXX ( c ) and XXXX ( a ) ( XXXX ) ( A ). No signed consent exists, therefore it must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX Repeated unauthorized inquiry with no validation provided. Violates 1681b ( a ) ( 3 ) ( A ) and 1681i ( a ) ( 1 ) ( A ). Retaining it damages my score and breaches your duty to protect consumer data. Delete immediately. 

XXXX XX/XX/XXXX This inquiry is unlawful and unverified. Under 1681b ( a ) and 1681b ( f ), access requires permissible purpose, which does not exist here. Keeping it after prior disputes shows willful noncompliance. Must be deleted at once.

I request that the CFPB require the furnishers and credit bureaus to remove or correct all inaccurate information associated with the above-listed, verify their compliance with FCRA procedures, and provide written confirmation of corrective actions. I also request an official record of this complaint and enforcement measures taken against noncompliant entities.

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