Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
Dear CFPB Representative, I am filing this complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by the credit bureaus and data furnishers who are reporting false, unverifiable, and damaging information on my credit report. Despite my efforts to dispute these inaccuracies directly with the credit bureaus, the items remain uncorrected. This is a violation of FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

The following items are being wrongfully reported and require immediate CFPB intervention : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address This address is being falsely reported as associated with me. I have never lived at or been connected to this address in any way. Reporting this address on my credit profile is misleading, inaccurate, and a direct violation of FCRA Section XXXX ( b ), which mandates maximum possible accuracy of consumer information. I request this address be removed immediately from all of my credit records. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX Wrong Address This address is also being reported in error. I have no personal, financial, or legal ties to this location. Continuing to report this information without proper verification violates FCRA Section 611 ( a ), which requires reinvestigation of any disputed data within 30 days. I am demanding a full reinvestigation and permanent deletion of this false address. 
XXXX XXXX Account with High Balance {$720.00}, Date Opened : XX/XX/2020 Late Payment This account is inaccurately reporting a late payment. I am disputing this information as completely false. I have never missed or made a late payment on this account. Therefore, the reported late payment is a clear reporting error and damaging to my creditworthiness. 
Under FCRA 1681i ( a ) and FCRA 1681e ( b ), you are required to verify the accuracy of this account with the furnisher. If the furnisher can not provide proper documentationsuch as signed agreements, payment history proof, or billing statements showing delinquencythen this item must be deleted from my report immediately. 
Inaccurate reporting of payment history is a serious violation and may result in further legal action if not corrected promptly.

The false reporting of a late payment is damaging my credit reputation, lowering my credit score, and causing financial harm, including denial of credit opportunities. The credit bureaus and furnisher have not provided any legitimate documentation to support the accuracy of these claims. Their negligence to remove or correct this false data after dispute is a direct violation of my rights under federal law.

I am requesting that the CFPB conduct a full investigation into these inaccurate items and ensure the following actions are taken : Immediate removal of both incorrect addresses from my credit profile. 
Full reinvestigation of the account XXXX XXXXXXXX and deletion of the inaccurate late payment entry. 
Written confirmation from the credit bureaus and furnisher verifying correction or removal of these false items. 
These entities repeated negligence constitutes noncompliance under FCRA Section 616 and 617, which holds them liable for willful and negligent violations of the Act. Their continued false reporting not only damages my financial standing but also violates my consumer rights.

I am including copies of my identification and proof of current address to assist in verification. I request that this complaint be forwarded to all relevant credit bureaus and furnishers involved for immediate investigation and resolution. 
Thank you for your attention to this serious matter. I trust the CFPB will ensure these companies are held accountable and that my credit report is corrected as required by law.

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