Consumer complaint received 2025-11-14 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: OK

Complaint narrative:
I am submitting this coomplaint to request an expedited reinvestigation into several damaging inaccuracies on my credit report. These errors violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), and I am invoking all of my rights to ensure that all unverifiable, misleading, or inaccurate information is removed immediately. 
While reviewing my file, I discovered incorrect addresses that do not belong to me, including XXXX XXXX XXXX XXXX, XXXX, OK XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX I have never resided at either of these locations. Under FCRA 607 ( b ), credit reporting agencies must follow strict procedures to assure maximum possible accuracy, and these false addresses clearly violate that requirement. Under FCRA 609 ( a ), I have the right to know the sources of any information reported about me, and if those sources can not verify these addresses, FCRA 611 requires their deletion. These inaccuracies undermine the purpose of FCRA 602, which emphasizes fair, equitable, and accurate reporting practices. 
I also found a serious misrepresentation involving my XXXX XXXX account. My credit file shows a XXXX XXXX status, including a false XXXX late payment in XX/XX/XXXX on XXXX XXXX, even though the account was current and carried only a minimal balance at that time. Under FCRA 623 ( a ) ( 1 ), furnishers may not report information they know or should know is inaccurate, and under 623 ( a ) ( 2 ), they must promptly remove and update any data that becomes inaccurate. Because I am formally disputing this false late payment, FCRA 623 ( b ) requires the furnisher to conduct a complete and lawful investigation. This misleading reporting also contradicts the fairness and accuracy standards outlined in FCRA 603, which defines the obligations of all parties involved in consumer reporting. 
My file also reflects several unauthorized hard inquiries, including those from XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). I did not authorize these inquiries. Under FCRA 604 ( a ), a permissible purpose is required for any inquiry, and without my consent, these inquiries are invalid. Unauthorized access may also trigger protections under the FACTA amendment to FCRA 605B, which supports consumers facing potential identity misuse. Furthermore, FCRA 615 prohibits adverse treatment based on information that is inaccurate or improperly accessed.

If any information on my report was obtained by an investigative method or third-party collection process, FCRA 606 also applies, requiring disclosure and authorization for investigative consumer reporting neither of which occurred in these cases. 
As a disputing consumer, I am also invoking FCRA 610 ( a ), which entitles me to a full description of the reinvestigation procedures used, and FCRA 611 ( a ) ( 6 ), which requires you to provide the written results of the reinvestigation upon completion. If you fail to reinvestigate properly, correct inaccuracies, or comply with federal timelines, it would fall under noncompliance as described in FCRA 616 ( wilful violations ) and 617 ( negligent violations ), both carrying significant penalties for the reporting agency or furnisher. Additionally, FCRA 623 ( a ) ( 8 ) outlines my right to dispute information directly or indirectly, requiring furnishers to respond properly to disputes like mine. 
Because these incorrect addresses, the XXXX XXXX XXXX status, the false XXXX late, and the unauthorized hard inquiries are inaccurate and harmful,

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