Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and unauthorized items being reported on my credit file by several entities. These errors are severely impacting my creditworthiness and constitute violations of the Fair Credit Reporting Act ( FCRA ). I am requesting that a full investigation be conducted and that all unverifiable, inaccurate, and unauthorized information be permanently deleted from my credit report. 

1. Wrong Addresses : The following addresses are being incorrectly associated with my credit profile. I have no connection or residence history at these locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are inaccurate and must be removed immediately as they suggest possible identity mixing or reporting errors. 

2. Unauthorized and Inaccurate Account ( Charge-Off ) : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6900.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge or recollection of ever opening or maintaining any account with XXXX XXXX  under this number. This account does not belong to me and appears to be an instance of erroneous or fraudulent reporting. I demand its immediate removal under FCRA 602 ( A ) and 611, which require that all items reported must be accurate, verifiable, and fair.

3. Unauthorized Hard Inquiries : The following inquiries were made without my knowledge or authorization and must be investigated and deleted from all credit bureaus immediately : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and indicate possible misuse of my personal information. According to FCRA 604, no company is permitted to pull a consumers credit report without a permissible purpose or explicit consent.

I am demanding a full investigation into these matters and verification from each furnisher that they had legal authorization to access or report this data. If they can not provide verifiable documentation ( such as a signed credit application or account agreement bearing my name and signature ), these items must be deleted immediately.

Furthermore, I request that each bureau provide me with written confirmation once these items are corrected or removed, as required under FCRA 611 ( a ) ( 6 ).

Please ensure this complaint is fully investigated and that the responsible furnishers and bureaus are held accountable for noncompliance.

Thank you for your prompt attention to this serious matter.

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