Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate and potentially fraudulent items being reported on my credit file. These errors are not only impacting my financial well-being but are also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
As someone working hard to build a stable life for myself and my family, I am disheartened to find myself a victim of reporting errors that I had no control over. My credit report is filled with unfamiliar addresses, accounts I never opened, unauthorized inquiries, and inaccurate derogatory marks. Ive always believed that our credit system is meant to be fair, but experiencing these inaccuracies has been both emotionally and financially exhausting.

________________________________________ Inaccurate Personal Information Issue : The following addresses do not belong to me and must be deleted from my credit file. 
XX/XX/XXXXXXXX FCRA Violation XXXX FCRA 607 ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Action Requested : Please delete these inaccurate addresses from my file as they are contributing to incorrect account linkages and false reporting. 
________________________________________ Late Payments Accounts Affected : XXXX XXXX # XXXX * * * * ( Opened XX/XX/XXXX, Balance : {$940.00} ) XXXX XXXX # XXXX * * ( Opened XX/XX/XXXX Duplicate Entry ) Issue : Inaccurate or duplicate reporting of late payments. 
FCRA Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information that is inaccurate or incomplete.

Action Requested : Please verify and remove the duplicate XXXX entry and correct any inaccuracies on the XXXX XXXX payment history. 
________________________________________ Charge-Off Accounts Affected : XXXX # XXXX * * * * Issue : Unjustified charge-off, potentially inaccurate reporting. 
FCRA Violation : FCRA 611 ( a ) Consumers have the right to dispute and request reinvestigation of any inaccurate information.

Action Requested : Conduct a thorough investigation and remove this item if it can not be 100 % verified.

________________________________________ Collection Accounts Accounts Affected : XXXX XXXX XXXX XXXX XXXX # XXXX * * * * XXXX XXXX / XXXX XXXX # XXXX * * * * XXXX. XXXX / XXXX XXXX XXXX # XXXX * * * * Issue : These debts may be the result of identity theft or misreporting.

FCRA Violation : FCRA 609 ( a ) ( 1 ) Consumers have the right to know the source of all reported information.

Action Requested : Validate these accounts and remove them if you can not provide complete evidence of ownership and verification. 
________________________________________ Unauthorized Inquiries Accounts Affected : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Dates Issue : I did not authorize these inquiries. 
FCRA Violation : FCRA 604 ( a ) ( 3 ) A credit bureau can only furnish a consumer report for a permissible purpose.

Action Requested : Please remove all inquiries that are not supported by documentation proving my authorization. 
________________________________________ Personal Statement Ive worked hard to maintain stability, and these errors are affecting everythingfrom loan approvals to my peace of mind. The weight of trying to correct these injustices is more than just paperwork ; its an emotional toll. I'm not asking for special treatmentI am simply asking for fairness and accuracy, as the law promises.

________________________________________ Summary of Action Requested 1. Delete all inaccurate addresses from my credit profile.

2. Remove or correct the late payment and charge-off accounts listed above.

3. Validate and delete any unverifiable or fraudulent collections.

4. Delete all unauthorized hard inquiries from my credit file.

5. Send a written response with the outcome of your investigation within 30 days as required by law.

6. Provide an updated credit report reflecting these changes.

________________________________________ Thank you for taking this matter seriously. Please do not hesitate to reach out if any further documentation or clarification is needed. 
Sincerely, XXXX XXXX

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