Consumer complaint received 2025-11-28 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:
Hello, I am filing this complaint because multiple false and unverified items are being reported on my credit file. I already disputed these items with the credit bureaus but they did not fix anything and did not provide any real verification. This is violating FCRA 15 USC 1681i, 1681e ( b ), and 1681s-2 ( b ). I need the CFPB to investigate and require the furnishers and credit bureaus to correct or delete these inaccurate items. 
Wrong Address ( Delete Immediately Never Lived Here ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Late Payment XXXX XXXX This late payment is reported incorrectly. I never made late payments and the status is false. Under FCRA 607 ( b ) you must ensure accuracy. Correct the history immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off XXXX XXXX  I have no knowledge of this account. This is not my account. Under FCRA 611 & 609 you must provide full verification or delete this account. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX I do not recognize or acknowledge this account. This appears to be identity mix or reporting fraud. Delete immediately if not fully verified with original documentation. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX This account is not mine. I request full validation. If validation is not provided under XXXX, delete immediately. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Unrecognized account. I never opened it. I demand deletion unless proper verification is provided. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX I have no association with this account. This is inaccurate. Remove unless verified with original signed documents. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off XXXX XXXX I do not know this account and never authorized it. This must be deleted if you can not provide proof of ownership. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off XXXX XXXX I never opened or authorized this account. This information is inaccurate and incomplete. I request verification and validation under XXXX. Delete if not verifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off XXXX XXXX  This account does not belong to me. I never opened it and have no association with it. Under FCRA 602 ( A ) you must maintain maximum possible accuracy. Provide complete validation or delete this tradeline if unverifiable. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX  I do not recognize this account. The reporting is false and misleading. According to FCRA 609 you are required to provide the original documentation. If you can not validate, you must remove it from my report. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off XXXX XXXX This is not my account. It appears to be mixed files or erroneous reporting. Under FCRA 611 ( a ) ( 5 ), delete this account if you can not verify with sufficient evidence. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX I never opened or authorized this account. This information is inaccurate and incomplete. I request verification and validation under 609. Delete if not verifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Charge Off XXXX XXXX I do not know this account and deny any ownership. This item must be validated with complete documentation or removed immediately under FCRA obligations. 
XXXX XXXX Bankruptcy Date Filed XX/XX/XXXXXXXX  Court : U.S. Bankruptcy Court Bankruptcy I am disputing this bankruptcy because it is reported inaccurately and is not mine. Under FCRA 607 ( b ) & 611 you must verify this entry with certified court documents directly from the courthouse. Public records can not be reported without 100 % accuracy. If you can not obtain certified proof, delete this entry immediately. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized. I never applied for credit with this company. Under FCRA 604 ( a ) ( 2 ) I did not grant permissible purpose. Remove immediately. 
These issues have caused harm to my credit and financial opportunities. I am requesting that the CFPB force the credit bureaus and the furnishers to provide real documented proof for all accounts or delete them immediately. The bureaus failed to follow the law and the furnishers did not comply with FCRA dispute responsibilities. I need full investigation and correction. 
Thank you for reviewing my complaint.

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