Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and furnishers are reporting false, inaccurate, and unverified information on my credit report. These errors are severely damaging my credit reputation, creating identity confusion, and violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to dispute these issues directly with the credit bureaus, no proper investigation or correction has been completed. I am requesting the CFPBs immediate intervention to investigate and hold these companies accountable for negligent and harmful reporting practices. My personal information is being mixed with false data, including the wrong date of birth and multiple unfamiliar addresses. The year XXXX is being falsely reported as my date of birth, which is completely incorrect. This misinformation has caused serious confusion in my identity and may be linked to accounts that do not belong to me. The following addresses are also falsely associated with my credit profile : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived, worked, or received mail at any of these addresses, yet they continue to appear across my credit reports, creating the appearance of fraudulent identity use and inaccurate data linking. 
XXXX Wrong Date of Birth The date of birth reported is false and does not belong to me. This incorrect XXXX causes identity confusion and violates FCRAs accuracy requirement. I request immediate correction or deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are completely unfamiliar to me. I have never lived, worked, or received mail at any of these locations. Their inclusion on my file is inaccurate and must be deleted to maintain a correct and reliable credit history. 
XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX | High Credit : {$210.00} I have no knowledge of this account. It was never opened or authorized by me. Reporting it as a charge-off is false and harmful, violating FCRA 623 ( a ) ( 1 ) ( A ). Please delete this unverifiable entry immediately. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | High Credit : {$2600.00} This charge-off report is false. I have no record or acknowledgment of this account. Without verifiable proof, continued reporting violates FCRA 623 and must be deleted immediately. 
XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | High Credit : {$2200.00} This account is not mine. I have never authorized or maintained a XXXX account matching this number. Please remove this false charge-off immediately as required under FCRA verification standards.

XXXX XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX | High Credit : {$530.00} The late payment reporting is inaccurate. I have always paid on time. This false record must be corrected to reflect an accurate payment history under FCRA 607 ( b ). 
XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX | High Credit : {$1600.00} I have never made any late payments on this account. This incorrect reporting violates the FCRAs accuracy requirements and must be immediately corrected. 
All these items have caused significant emotional distress and financial harm. I have been denied credit opportunities and faced higher rates because of false and unverified data. The reporting entities and credit bureaus have failed to maintain reasonable procedures to assure maximum possible accuracy as required under FCRA 607 ( b ). I am requesting that the CFPB launch an immediate investigation into these inaccurate and damaging reports, require the furnishers and bureaus to verify each account with proper documentation, and permanently remove any unverifiable or fraudulent items from my credit history.

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