Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I am submitting this complaint regarding Experians continued reporting of inaccurate, unverified, and unauthorized information on my consumer credit file. I previously disputed these items directly with Experian, clearly identifying the errors, yet the inaccurate information remains, indicating that Experian failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. 
My Experian credit report contains incorrect personal information in the form of addresses that do not belong to me and that I have no knowledge of. The address listed as XXXX XXXX, XXXX, VA XXXX is not my address, I have never lived there, and I have no association with it. The address listed as XXXX XXXX, XXXX XXXX, MD XXXX is also not my address, I have no knowledge of it, and it does not belong to me in any manner. These inaccurate addresses should have been deleted upon dispute, yet they continue to be reported. 
My credit file is also reporting multiple charge-off accounts that I do not recognize, have no knowledge of, and do not believe belong to me. The XXXX XXXX XXXX. account ending XXXX, opened on XX/XX/year> with a reported high balance of {$630.00} and listed as a charge-off, is not recognized by me. The XXXX XXXX account ending XXXX, opened on XX/XX/year> with a reported high balance of {$330.00} and listed as a charge-off, is likewise not recognized and is disputed in its entirety. 
In addition, Experian is reporting two U.S. Department of Education accounts ending XXXX, both opened on XX/XX/year> and reported as charge-offs with balances of {$1500.00} and {$1600.00}, neither of which I recognize or have knowledge of. The presence of two similarly reported accounts raises serious concerns regarding accuracy and proper verification. 
My Experian credit report also contains numerous hard inquiries that I did not initiate, authorize, or consent to, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These inquiries do not belong to me and should not be reporting on my credit file.

Experians failure to delete or correct this inaccurate information demonstrates a lack of reasonable investigation and continued reporting of information that can not be fully verified as accurate or belonging to me. I am requesting that the CFPB require Experian to conduct a proper reinvestigation, delete all inaccurate addresses, remove all unverified accounts, and delete all unauthorized inquiries so that my credit file reflects only accurate and verifiable information. 
I respectfully request the CFPBs assistance in resolving this matter and ensuring Experians compliance with the Fair Credit Reporting Act.

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