Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
I recently reviewed my credit report and was alarmed to find multiple inaccuracies that do not reflect my true identity or financial history. My name is being reported incorrectly as XXXX, XXXX, XXXX, and my report lists addresses I have never lived at, including XXXX XXXX XXXX, CA XXXX, XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX, XXXX XXXX, CA XXXX. Seeing these addresses and the incorrect name tied to my file is alarming and misleading. Under FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to correct information once it is determined to be inaccurate, and I am exercising my right under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) to have these errors fully reinvestigated and removed. 
I also noticed accounts reported as late closed that are inaccurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both show a XXXX balance but are reflected negatively on my report XXXX XXXX Reporting accounts in this manner is misleading and violates the requirement for maximum possible accuracy under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) as well as the duty of furnishers to correct inaccurate information under FCRA 623 ( a ) ( 2 ). 
Several charged-off accounts are reported incorrectly or incompletely. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4600.00} XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4600.00} XXXX XXXX each involve debts over {$600.00}, yet no IRS Form 1099-C has been issued. Reporting these debts without proper documentation is misleading and violates my rights under the FCRA. Other charged-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$210.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$450.00} * *, appear in my report in ways I do not recognize. These accounts must be reinvestigated and removed if unverifiable under FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ). 
Additionally, a collection account from Absolute Resolutions I, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$740.00} XXXX XXXX, appears on my report, and I do not recognize this debt. Unless the furnisher can provide proper validation, this account should be deleted in accordance with FCRA 605B 15 U.S.C. 1681c-2. 
Finally, there is an inquiry from XXXX dated XX/XX/year>, XXXX XX/XX/year> that I never authorized. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 619 15 U.S.C. 1681q, my credit report may only be accessed for permissible purposes, and this unauthorized inquiry must be removed immediately.

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