Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Dear CFPB Team, I am submitting this formal complaint regarding numerous inaccurate, unverifiable, or fraudulent entries on my credit report. These items include wrong addresses, charge-offs, late payments, collections, and unauthorized inquiries. Their continued reporting is damaging my creditworthiness, misrepresenting my financial history, and violating the Fair Credit Reporting Act ( FCRA ).

I demand a thorough investigation and immediate correction or deletion of all items listed below.

Wrong Addresses XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have never lived, received mail, or conducted financial activity at this address. Its reporting is completely false. The continued presence of this address risks identity confusion, incorrect account linking, and potential fraudulent activity. Immediate removal is demanded. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is unfamiliar to me and has never been associated with any legitimate activity in my name. Its inclusion is misleading and potentially fraudulent, and it must be permanently removed from my credit file. 
XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$0.00} I have no knowledge of this account. Reporting it as a charge-off is entirely false. Retaining this on my credit report unfairly lowers my score and misrepresents my financial responsibility. Immediate deletion is demanded. 
XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$0.00} I did not open this account. The charge-off is inaccurate and unverifiable. This entry constitutes false reporting under the FCRA and must be deleted.

XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$970.00} I never authorized or had knowledge of this account. The charge-off is fraudulent. Its presence misrepresents my creditworthiness and is damaging my ability to obtain legitimate credit. Immediate removal is required. 
XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$0.00} This account is unknown to me. Reporting it as a charge-off without verification violates the FCRA. I demand deletion and a complete investigation into how this account appeared on my report. 
XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$720.00} I do not recognize this account. Reporting a charge-off here is misleading, harmful, and factually incorrect. Delete immediately. 
XXXX XXXX XXXXXXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$1100.00} I never opened or authorized this account. Reporting it as a charge-off is fraudulent and materially damaging. Immediate deletion is demanded. 
XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX, Balance Owed : {$20000.00} I have never missed any payments on this account. Reporting a late payment is completely false, misleading, and damaging to my credit score. I demand correction of the payment history to reflect timely payments immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$3300.00} I do not recognize this account. Its collection status is inaccurate and unverifiable, damaging my creditworthiness. I demand immediate removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$430.00} I do not recognize this account. Reporting it as a collection is inaccurate and misleading. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$4100.00} I have no knowledge of this account. Reporting it as a collection is false, misleading, and materially damaging. Immediate removal is demanded. 
XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$1000.00} This is a duplicate or unverifiable entry. Reporting it again as a collection is misleading and harmful. Delete immediately. 
XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$670.00} I have no knowledge of this account. Its collection status is false and unverifiable. Remove immediately. 
XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance Owed : {$490.00} Duplicate or unknown account. Reporting it as a collection is inaccurate and misleading. Immediate deletion required. 
XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance Owed : {$2800.00} I do not recognize this account. Reporting it as a collection is unverified and misleading. Delete immediately.

Hard Inquiries These inquiries are unauthorized and potentially fraudulent, and their presence is damaging my credit score and misleading lenders. I demand removal of all unauthorized inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX I did not authorize these credit inquiries. Their reporting is in violation of FCRA 604. Immediate deletion of these inquiries is required to prevent further credit damage.

Summary : All of the above items are inaccurate, unverifiable, unauthorized, or fraudulent, and their continued reporting damages my credit, misrepresents my financial behavior, and violates federal law. I demand : Immediate deletion of all unverifiable or unknown accounts Correction of any inaccurate late payment history Removal of all unauthorized inquiries Written confirmation of all actions taken and copies of verification documentation Failure to resolve these disputes will leave me no choice but to escalate to legal action under the FCRA and notify all relevant regulatory authorities.

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