Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding multiple inaccurate items and a wrong address that are currently being reported on my credit report by XXXX or more credit reporting agencies. These errors are seriously impacting my credit standing and do not reflect accurate information about my credit history. 
Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain unresolved. I am requesting that the CFPB investigate these matters and ensure that the credit bureaus and furnishers comply with the Fair Credit Reporting Act ( FCRA ). 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have never lived at this address and it should be removed from my report immediately. 
Accounts in Error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Reported as a Charge Off. I have no knowledge of this account. Please verify and delete if unverifiable. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Listed as Late Payment. I have never been late on this account. Please correct the payment history. 
XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Reported as Late Payment. This is incorrect ; please correct the payment history to reflect on-time payments. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Reported as Charge Off. I do not recognize this account; please verify and remove if inaccurate. 
XXXX Account XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Reported as Charge Off. I have no knowledge of this account and request deletion if it can not be verified. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Duplicate Charge Off entry for the same account. Please delete the duplicate record. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Incorrectly showing Late Payment. Please update this account to show a perfect payment history. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Listed as Late Payment. This is inaccurate ; please correct the reporting. 
Requested XXXX I am requesting that the CFPB investigate these errors and ensure that : The credit reporting agencies conduct a full and fair reinvestigation. 
All unverifiable or incorrect information is permanently deleted. 
The furnishers provide documentation proving the accuracy of each account or inquiry. 
The wrong address is permanently removed from my report. 
I appreciate your time and assistance in ensuring that my credit report accurately reflects my true credit history. Please keep me informed of any findings or actions taken regarding this complaint. 
Thank you for your help.

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