Consumer complaint received 2025-11-13 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:
To Whom It May Concern, I am filing this complaint because the credit reporting agency has refused to properly investigate multiple inaccurate and unverified items on my credit report. These errors are severely harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 611, and 623. 
Despite disputing these items directly with the credit bureau, they failed to correct or remove the false information. I am requesting CFPB intervention to ensure proper reinvestigation and correction. 
Below is a full list of inaccuracies : Incorrect Personal Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at or been associated with this address. Please remove it immediately. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX, TX XXXX Wrong Address This address is not mine and was added in error. Please delete it from my report. 
Accounts Reporting Inaccurate Late Payments XXXX XXXXXXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX I have never been late on this account. Please update my payment history to accurately reflect on-time payments. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX This account was always paid as agreed. The late payment status being reported is false and needs to be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. Please delete it if it can not be verified with signed documentation. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX This charge-off does not belong to me and appears to be a case of mistaken identity or reporting error. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$8500.00} Date Opened : XX/XX/XXXX I do not recognize this account. Please remove it from my report if proper verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$8800.00} Date Opened : XX/XX/XXXX This account was never opened by me and is being falsely reported as charged off. I request deletion. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$7900.00} Date Opened : XX/XX/XXXX This collection account is not mine. Please remove it if you can not verify it directly with my signature or account documentation. 
Unauthorized or Suspicious Hard Inquiries XXXX XX/XX/XXXX I never initiated a credit request with XXXX. This inquiry should be removed for being unauthorized. 
XXXX XXXX XX/XX/XXXX No application was made by me to XXXX XXXX. Please delete this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. I request its immediate removal. 
XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with this lender. Please delete this inquiry from my report. 
XXXX XX/XX/XXXX I did not apply for credit with XXXX XXXX on this date. Please remove this inquiry. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : 1. Force the credit bureau to conduct a lawful reinvestigation. 
2. Require deletion of any item they can not fully verify with proper documentation. 
3. Ensure correction of false late payments, unauthorized inquiries, and wrong addresses. 
4. Provide me with written, updated results. 
These errors are harming my financial stability, preventing me from obtaining credit, and violating my consumer rights. 
Thank you for your assistance and immediate attention.

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