Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report. These items are either entirely unverifiable, reported in error, or are unauthorized inquiries. This complaint is submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I demand that each disputed item be fully investigated, corrected, or deleted as required by law. 
Addresses Disputed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX This address has never been my residence. Reporting this is misleading and affects my credit profile. I request immediate removal. Supporting documents ( utility bills, lease agreements ) show my correct addresses during the relevant periods. 

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Charge-off I have no knowledge of this account. The charge-off status is false. There are no records or notices sent to me regarding this account. Under FCRA, unverified information must be removed. I request deletion and proof of verification. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$880.00} XXXX This account is inaccurately reported as charged-off. I have consistently paid all my obligations, and I never received any notice of late payments or default. The reporting is therefore inaccurate. Please verify the account and correct or delete immediately. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$3900.00} Collection I have never been contacted or billed regarding this debt. Reporting this account without verification violates my rights under FCRA and FDCPA. Delete until verified. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1500.00} Collection I dispute this account as I have no knowledge of it. Any reporting of this account is inaccurate and harms my credit history. Immediate investigation and deletion requested. 
Inquiries Disputed : XXXX XXXX XXXX XX/XX/XXXX I did not provide consent for this inquiry. Under FCRA, reporting without authorization is illegal. Delete immediately. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry ; not initiated by me. Remove from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this inquiry as unauthorized. Remove to correct my credit profile. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX I never authorized this inquiry. Immediate deletion is required. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. Remove as it violates FCRA reporting standards. 
I request that each disputed item be fully investigated with all involved parties. If verification can not be provided, each item must be deleted in accordance with FCRA. I also request written confirmation of the investigation results. 
Supporting Documents Attached : Proof of current and previous addresses, identification, and utility bills verifying residence history. 
Thank you for your prompt attention to these matters.

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