Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading items appearing on my credit report. These items are severely damaging my creditworthiness, financial reputation, and ability to obtain credit. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), and request immediate investigation, correction, or deletion of the items listed below XXXX XXXX XXXX CT XXXX, TX XXXX Wrong Address I have no connection to this address. Its inclusion on my credit report is false and misleading, causing undue negative impact. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is incorrectly attributed to me. Such inaccurate reporting is a violation of my rights under FCRA and must be corrected immediately. 
XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account, have never opened it, and have never authorized any activity under this account number. This account may represent identity theft or reporting error. Under FCRA 1681i ( a ) ( 1 ), any unverifiable account must be removed immediately. 
XXXX XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments on this account are inaccurate. I have never made late payments on this account, and the reporting fails to accurately reflect my payment history. I demand correction of this account to reflect accurate, on-time payments as per FCRA 1681i. 
XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge or record of this account. The charge-off status is unverified and should be deleted immediately. 
XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Chargeoff I dispute the validity of this account. I have no record of charges, defaults, or agreement under this account number. Please remove it immediately. 
XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Late Payment Late payments are incorrectly reported. I have always maintained timely payments on this account. I request immediate correction to reflect accurate payment history. 
XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I have never missed or delayed a payment on this account. Correcting this inaccuracy is critical to prevent continued financial harm. 
XXXX XXXX XXXX XXXX : {$5400.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account. Any charge-off status reported is false and unverified. Reporting such an account without validation violates FCRA 1681i ( a ) ( 1 ) and must be removed immediately. 
XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Chargeoff I dispute this account entirely. I have no record of opening this account, nor do I recognize any balance or charge-off. Reporting this account inaccurately harms my credit and constitutes a violation of FCRA 1681i and 1681e ( b ). 
XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Chargeoff I do not recognize this account. Any negative reporting is false and unverifiable. Reporting this account is causing substantial harm and must be deleted. 
XXXX  XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment Late payments reported here are inaccurate. I have never missed or delayed payments. Correction is necessary to ensure accurate reporting. 
XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I request immediate correction under FCRA XXXX to reflect my accurate payment history. 
XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Late Payment This account has been incorrectly reported as late. I have always maintained timely payments. Immediate correction is required. 
XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Late Payment The late payment status is false. Reporting this inaccuracy violates FCRA 1681i and must be corrected. 
XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment reporting. My payment history has been timely, and the reported delinquency is inaccurate and misleading. 
XXXX XXXX High Balance : {$55000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I demand immediate correction to reflect accurate payment history and prevent further damage to my credit profile. 
XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection I dispute the validity of this collection account. I have no record or knowledge of this debt. Reporting this account without verification is inaccurate and must be deleted. 
XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Collection This account is unverified. I dispute its validity and request immediate deletion. 
XXXX CRED XXXX High Balance : {$6800.00} Date Opened : XX/XX/XXXX Collection I have no record of this account. Collection reporting is inaccurate and must be removed. 
XXXX XXXX * High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment * * The reported late payment is inaccurate. I have always maintained timely payments, and this reporting misrepresents my payment history. Correction is necessary under FCRA 1681i. 
XXXX CRED XXXX * High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection * * I have no knowledge of this account. Reporting it as a collection is false and misleading. Immediate deletion is required. 
XXXX Date : XX/XX/XXXX Inquiry I dispute this inquiry as it was not authorized by me. Please remove it immediately to prevent further negative impact on my credit. 
These inaccurate and unverifiable accounts and inquiries are causing substantial harm to my credit profile. Under FCRA 1681i, I request that all disputed items be investigated, verified, and corrected or deleted. If verification can not be provided, these accounts and inquiries must be removed immediately from my credit file. 
I am attaching copies of my identification and any supporting documentation to assist in your investigation. I expect written confirmation of your findings, corrections, or deletions within the legally mandated 30-day period.

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