Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report, as these errors misrepresent my identity, account history, and financial obligations, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My address is incorrectly listed as XXXX XXXX XXXX, XXXX, XXXX  XXXX, which is not associated with me and misidentifies my residence history, violating FCRA 611, which protects consumers rights to dispute inaccurate information, and FDCPA 807 regarding false or misleading representations. My account with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is inaccurately reported as a charge-off with a balance owed of {$0.00}, when in reality no balance is owed, infringing on FDCPA 809, which ensures debt validation rights. Additionally, a collection account with Springoaks, account number XXXXXXXX XXXX XXXX XXXX, is reported with a balance of {$730.00}, and a newer collection account with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed with a balance of {$290.00} ; I dispute both as inaccurate or unverifiable, and request written verification in accordance with FDCPA 809 to prevent reporting of unverified debts. Further, a XXXX account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tied to my Chapter XXXX bankruptcy, is listed with a balance of {$0.00} and a date opened of XX/XX/XXXX ; I dispute the accuracy of the account information in relation to my bankruptcy, as misreporting the account type, balance, or dates violates FCRA 607 ( a ) and 608 ( c ), which protect against obsolete information and ensure accurate reporting of delinquency dates. I also dispute an unauthorized inquiry by XXXX XXXX  on XX/XX/XXXX, which was included on my report without my consent ; this violates FCRA 611, granting me the right to dispute inquiries, and FDCPA 807, prohibiting misleading reporting. These combined inaccuraciesincluding the incorrect address, misreported charge-off, disputed collection accounts, bankruptcy-tied account information, and unauthorized inquirydemonstrate a failure to report complete and accurate information as required under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), which obligates furnishers to ensure accuracy and report correct dates of delinquency. The presence of outdated or incorrect balances, along with unauthorized inquiries, materially harms my creditworthiness and may affect my ability to secure credit, housing, and employment, while also misrepresenting my financial responsibility. I request that Equifax immediately reinvestigate all disputed items by contacting the original furnishers for verification and remove or correct any information that can not be fully verified. Any account reported without verification should be removed, and written validation should be provided for any allegedly owed balances, as required by FDCPA 809. I also request that my identifying information be corrected to reflect my true address, that the XXXX XXXX charge-off be removed due to inaccurate reporting, that the XXXX  and XXXX XXXX  collection accounts be verified or deleted if unverifiable, that the XXXX account information be corrected to align with my Chapter 13 bankruptcy records, and that the XXXX XXXX inquiry be deleted as unauthorized. Please provide me with written confirmation of any changes made and a corrected copy of my credit report. These actions are required to comply with FCRA 607, 608, 611, 623 and FDCPA 807, 809, which are designed to ensure fair, accurate, and complete reporting. I trust Equifax will thoroughly and promptly address these disputes, as continued reporting of inaccurate, unverifiable, or misleading information constitutes ongoing harm to my financial reputation and a violation of federal law.

Company response to consumer: Closed with explanation