Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and unverified information that violates FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), and 611. I have accounts reporting late payments I never made and charge-offs I have no knowledge of, and the bureaus have failed to provide verification. I am requesting CFPB intervention to correct and delete all unverified information. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX I have never lived at or been associated with this location. Reporting an incorrect address violates FCRA 607 ( B ) and 609 ( A ) because personal identifiers must be accurate and properly verified. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX This address does not belong to me. Keeping false identifiers on my file creates mixed-file issues and violates FCRA 602 ( A ) and 607 ( B ) because no documentation exists proving any connection. 

XXXX Account No : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Charge Off * * I have no knowledge of this account. No contract, signature, or application has been produced. Under FCRA 609 ( A ) and 611, unverifiable accounts must be deleted. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Charge Off * * This account is unknown to me. No proof has been supplied as required under FCRA 609 ( A ) ( 1 ) ( A ) and 623, and therefore it can not remain on my report. 

XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Charge Off * * I have no knowledge of this account. Without actual documentation, reporting this account violates FCRA 611 and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This account is not mine. No verification has been provided, violating FCRA 607 ( B ) and 611 which require accurate and fully documented information. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} Charge Off * * I do not recognize this account. FCRA 611 and 609 ( A ) require documentation that the furnisher has failed to provide. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Charge Off * * This account is unknown to me. Under FCRA 623 furnishers can not report information they can not validate with actual records. 

XXXXXXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * The late payment is inaccurate because I have never been late. Without proof under FCRA 611 and 607 ( B ), this derogatory mark must be corrected. 

XXXX  Account No : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$22000.00} Late Payment * * I have never made any late payments. Reporting false delinquency violates FCRA 623 ( a ) ( 1 ) ( A ) because no valid evidence exists. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$77.00} Charge Off * * I have no knowledge of this account. No verification has been produced as required under FCRA 609 ( A ) and 611. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Charge Off * * This account is not mine. Without a signed agreement or contractual evidence, it violates FCRA 611 and 623. 

XXXX XXXX XXXX Account No : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Charge Off * * I do not recognize this account. FCRA 609 ( A ) and 607 ( B ) require proper validation that has not been provided. 

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * I have never paid late. This inaccurate reporting violates FCRA 607 ( B ) and can not remain without proof. 

XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Collection * * This collection does not belong to me. No original creditor validation has been provided, violating FDCPA 809 ( b ) and FCRA 611. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Charge Off * * I have no connection to this account. FCRA 609 ( A ) and 623 require proof that the furnisher has failed to produce. 

XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Collection * This collection is not mine. Without full validation, it violates FDCPA 807 and FCRA 611. 

XXXX XXXX  Account No : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Collection * * This debt is unknown to me. XXXX has provided no validation as required under FDCPA 809 ( b ) and FCRA 623. 

XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Collection * I do not owe this debt. No documentation proving ownership or validity has been provided, violating FCRA 611 and FDCPA 807. 

XXXX XXXX Account No : XXXX * Date Opened : XX/XX/XXXX Balance : {$460.00} Collection * * This account is not mine. Without proper validation under FCRA 609 ( A ) and FDCPA 809 ( b ), it must be deleted. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ) ( 2 ), no party may access my credit report without permissible purpose. 

XXXX XXXX Date : XX/XX/XXXX This inquiry was not authorized and violates FCRA 604 for lack of permissible purpose. 

XXXX XXXX Date : XX/XX/XXXX I did not give permission for this inquiry. FCRA 604 prohibits unauthorized access. 

XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was not authorized by me. Under FCRA 604 ( a ) ( 2 ), it must be removed. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I did not authorize this pull. No permissible purpose existed under FCRA 604.

XXXX  Inquiry Date : XX/XX/XXXX This unauthorized inquiry violates FCRA 604 because I did not grant access.

Because these items violate federal law and remain unverified, I am requesting immediate CFPB intervention to ensure correction and deletion of all inaccurate information.

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