Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Hello, I am submitting this complaint because the credit reporting agencies and several furnishers are reporting false, inaccurate, and unverified information on my credit file which violates the Fair Credit Reporting Act 15 USC 1681i, 1681e ( b ), and 1681s-2 ( b ). I have disputed these items but they continue to remain on my report without proper verification. I am requesting full investigation and regulatory action. 
Wrong Addresses reported that are NOT mine and never belonged to me. I never lived in these places, never used them, never authorized these locations to be added to my consumer file. Under FCRA 1681e ( b ) the bureau must maintain maximum accuracy which clearly was not followed. please delete these immediately as they create mixed file issues XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Now I am disputing the following accounts because they contain serious reporting errors or do not belong to me at all. I am requesting immediate reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reporting Late Payment This late payment is completely incorrect. I have never been late on this account and your system is reporting false information. Under FCRA 1681i you must correct this because it is damaging my credit and not supported by any real evidence. Please correct the entire payment history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX I have no knowledge of this account. I never opened it, never applied for it, never authorized it. Under FCRA 1681s-2 ( b ) the furnisher must verify with actual documented proof. If proof can not be produced this account must be deleted immediately for inaccurate reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff Same issue as above. This account is not mine. I never opened any XXXX account with this number. Reported information is inaccurate and must be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff I do not recognize this account. No authorized activity from me. This appears to be mixed file reporting and must be removed unless full documentation is provided. 
I am asking the CFPB to force the credit reporting agencies and the furnishers to provide actual documented verification for every item or delete them immediately. The bureaus have failed their legal obligations and the furnishers have not complied with FCRA 1681s-2 ( b ) responsibilities. These errors are harming my credit, causing financial loss, and limiting my opportunities. 
I respectfully request full investigation, correction, and enforcement.

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