Consumer complaint received 2025-11-11 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: ME

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because the credit reporting agencies continue to report inaccurate and unverifiable information on my credit report, even after multiple disputes. These errors have negatively affected my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior efforts to resolve this directly with the credit bureaus, the following accounts and inquiries remain reported incorrectly. 
Incorrect Personal Information Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses do not belong to me and must be deleted from my credit profile immediately. Reporting inaccurate personal information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
Inaccurate Account Information XXXX XXXX XXXX Acct XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this account. Please provide full validation or remove it from my credit file. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$300.00} | Late Payment I dispute the reported delinquency. This information is not accurate or verifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$31.00} | Late Payment This late payment reporting is false. Please verify with original documentation or delete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The reported late payment is incorrect. Please correct immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$7.00} | Late Payment This information is inaccurate. Please update the status to reflect accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this account. Please remove this unverifiable charge-off immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account is being inaccurately reported with a late payment that never occurred. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$12000.00} | Late Payment This account is incorrectly reporting late payments. I have never made late payments on this account; please correct the payment history immediately. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$130.00} | Charge Off I have no knowledge of this account being charged off. This information is inaccurate and unverifiable please delete this item. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The reported late payment is inaccurate. I have always paid on time; please correct my payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account is being falsely reported with a late payment. Please verify with the original creditor or remove this error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$24000.00} | Charge Off I do not recognize this account as charged off. Please provide full validation or delete this inaccurate entry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment The reported late payment is incorrect. Please verify with proper documentation or update to reflect accurate payment status. 
I am unaware of any account with this collection agency. This entry is unverifiable and must be removed. 
Unauthorized/Unverified Hard Inquiries The following inquiries appear on my credit report without my authorization. Under FCRA 604 ( a ) ( 3 ), inquiries must be permissible and verifiable. Please remove all unauthorized inquiries immediately : XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and have negatively impacted my credit profile. Please conduct a reinvestigation and delete them if no signed authorization can be produced.

Requested Resolution I request the CFPBs assistance in ensuring that the credit bureaus and furnishers : 1. Conduct a full reinvestigation under FCRA 611 ; 2. Delete all unverifiable or inaccurate accounts and inquiries ; 3. Provide written confirmation of corrections made ; 4. Cease any further reporting of inaccurate or unauthorized data. 
I have attached supporting documentation including my identification, proof of address, and previous dispute letters submitted to the credit bureaus. 
I appreciate the CFPBs prompt attention in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights.

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