Consumer complaint received 2025-10-29 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:
I am filing this complaint against Experian for reporting inaccurate and unauthorized information on my credit report and failing to maintain maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). Despite my consistent efforts to maintain a clean credit history, Experian continues to report false and unverifiable information that is damaging my credit reputation and overall financial standing. 

My credit file with Experian shows a false address listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which has never been associated with me at any point. I have never lived at or used this address for any purpose, and its inclusion on my report is inaccurate. This error raises serious concerns about Experians data verification process and accuracy control as required under FCRA Section 607 ( b ). 

In addition to the false address, my Experian report lists a collection account under XXXX XXXX XXXX * showing a high balance of {$420.00} and a date opened as XX/XX/year>. I have no knowledge or record of this account, have never authorized any transaction or contract with Pro Collect, and have never received any notice of such a debt. This is a clear case of mistaken identity or erroneous reporting. Despite my prior dispute, Experian failed to properly verify this account with the original furnisher or remove it from my credit file, which constitutes a violation of FCRA Section XXXX ( XXXX XXXX. XXXX ) requiring proper reinvestigation of disputed information. 

Furthermore, my credit report reflects an unauthorized hard inquiry from XXXX, XXXX XX/XX/year>. I never applied for any line of credit, loan, or financing with XXXX XXXX  or XXXX. This unauthorized inquiry represents a breach of my privacy rights and should not appear on my credit report. Experians continued reporting of this unauthorized inquiry demonstrates a failure to protect consumer data and ensure the integrity of reported information. 

I have already contacted Experian to dispute these inaccuracies, but they have failed to correct or delete the false data from my file. This ongoing negligence violates my rights under the Fair Credit Reporting Act, specifically sections 607 ( b ) and 611, which require credit reporting agencies to maintain accurate records and to promptly delete unverifiable or inaccurate information. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate Experians failure to comply with federal law and ensure that the following inaccurate information is permanently deleted from my credit report : the false address at XXXX Business Center XXXX, TX XXXX ; the unauthorized collection account PRO COLLECT XXXX * ; and the unauthorized inquiry COMENITYCB/ZALES dated XX/XX/year>. I also request written confirmation once the deletions have been made and a corrected copy of my credit report issued to me.

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