Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies found across my credit reports with Experian, Equifax, and TransUnion. Upon reviewing my credit reports, I identified several entries that are outdated, incorrect, or otherwise misrepresented. These inaccuracies violate my rights under various provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ) regarding reasonable procedures to ensure accuracy, 611 concerning the right to dispute, and 623 on the duty to correct and update information. 
Experian, XXXX XXXX XXXX have reported addresses that are not associated with me, including locations such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX reported by Experian ), as well as XXXX XXXX XXXXp, XXXX, CA XXXX and XXXX XXXX, XXXX, NJ XXXX XXXX reported by TransUnion ). These addresses do not match any of my known residences, and they appear to be either outdated or incorrectly associated with my file. According to FCRA 605 ( a ) ( 1 ) ( 15 U.S. Code 1681c ), only addresses where I have resided in the last XXXX years should appear on my credit report. As such, I request the removal of these inaccurate addresses from my file immediately. 
Additionally, my credit reports contain accounts that have been closed but continue to show incorrect information. XXXX ( Account : XXXX ) is reported by all three bureaus as having a balance of {$0.00}, even though the account has been closed for some time and should reflect a status of no balance due. Furthermore, the XXXX XXXX ( Account : XXXX ) account, reported by Experian and TransUnion, lists a balance of {$220.00}, which is incorrect. This account should be marked as settled and closed, as there is no remaining balance due. Under FCRA 607 ( b ), credit reporting agencies are required to maintain accurate information. I request the removal of these accounts, as they no longer reflect the actual status. 
I also noticed that XXXX AUTO ( Account : XXXX ), with a reported balance of {$1800.00}, is still showing up as an active account with outstanding debt. However, this account has been settled and should be reported under a charge-off with the corresponding XXXX for cancellation of debt, in compliance with tax reporting regulations. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. I request the removal of this account from my credit report, as it no longer represents the actual state of the debt. 
Furthermore, my credit reports incorrectly list several accounts in collection, such as SENTRY CREDT ( Original Creditor : XXXX XXXX, Account : XXXX ) with a balance of {$2600.00}, and XXXX CRED ( Original Creditor : XXXX XXXX BANK XXXX, Account : XXXX ) with a balance of {$440.00}. These accounts should not be reported as collections, as the debts have either been resolved or do not reflect the actual amounts owed. As required under FCRA 623 ( b ), furnishers of information must investigate and correct any errors they report to credit bureaus. I request the removal of these collections from my credit report, as they are no longer valid. 
Additionally, under FCRA 602 ( 15 U.S. Code 1681 ), I am entitled to accurate, fair, and complete reporting of my credit history. Any information that is inaccurate, incomplete, or can not be verified should be removed. The inaccurate information currently reported on my credit file is in violation of this section of the FCRA.

Under FCRA 609 ( a ) ( 1 ), I am entitled to a full disclosure of the information reported about me, including any supporting documents that the credit bureaus rely upon to report the above accounts.

In accordance with FCRA 611 ( 15 U.S.C. 1681i ),

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