Consumer complaint received 2025-11-29 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:
I am filing this complaint because multiple companies and the credit bureaus are reporting inaccurate, unverified, unauthorized, and fraudulent information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 602, 603, 604, 607 ( b ), 611, 623 and the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ). I have already disputed these items with the credit bureaus but the information is still being reported without proper investigation. These accounts do not belong to me, have not been validated, and are part of a larger mixed-file identity problem. I am requesting the CFPB to force proper verification, force correction, and require deletion of all accounts and inquiries listed below due to failure to verify accuracy. 
WRONG ADDRESSES DELETE IMMEDIATELY ( These addresses never belonged to me and prove a mixed file. Reporting them violates FCRA 607 ( b ) requiring maximum accuracy. ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Address Issue : These addresses are fully inaccurate, never lived, never used, and reporting them creates identity confusion and increases fraud risk. They must be removed immediately. 
XXXX XXXX Acct XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Late Payment ISSUE : This late payment is completely false. I never made any late payment on this account. Reporting a false delinquency violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) because the furnisher has failed to establish maximum accuracy. I demand the correction of this history, not deletion of the account. Change the status to never late. 
XXXX XXXX  Acct XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Charge Off ISSUE : I have no knowledge of this charge-off. This account is unverified, unfamiliar, and appears to be an identity-mixing error. Per FCRA 611 and 623 ( a ) ( 3 ), any unverifiable account must be deleted. Provide full validation or delete immediately. 
XXXX XXXX Acct XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Charge Off ISSUE : I do not recognize this account. There is no contract, no agreement, no promissory documentation proving this account belongs to me. Reporting unverified debt is a direct violation of FCRA 602 ( A ) and 623 ( a ) ( 1 ). This must be deleted if the furnisher can not certify accuracy. 
XXXX XXXX  Acct XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Status Reported : Charge Off ISSUE : This charge-off is unverified and not supported by any documentation. I requested investigation previously and the bureau failed to provide results proving accuracy. Re-reporting without proper verification violates FCRA 611 ( a ) ( 5 ) ( B ) ( illegal reinsertion ). Delete immediately if furnisher can not validate ownership. 
XXXX XXXX Acct XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status Reported : Collection ISSUE : I never received any notice of this alleged debt. Under FCRA and FDCPA requirements, they must validate and provide original documentation. Failure to provide proof means the account is unverified and must be deleted immediately. 
XXXX XXXX XXXX Acct XXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Status Reported : Collection ISSUE : This account is another unverified third-party collection I have no knowledge of. No validation, no documentation, no proof of assignment. Under FCRA 611 and FDCPA 807 ( 8 ), this can not remain on my report unless verified. 
XXXX XXXX Acct XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Status : Collection ISSUE : I have no knowledge of this account, no contract, and no original documentation linking this debt to me. Under FCRA 611 and FDCPA 807 ( 8 ), any unverifiable collection must be deleted. This is clearly a mixed-file or XXXX-XXXX  error. Delete immediately if the furnisher can not validate ownership and origin. 
XXXX XXXX Acct XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Collection ISSUE : This account is still being reported despite failing verification previously. Reporting without full validation violates FCRA 607 ( b ) and FCRA 611 ( a ) ( 5 ) ( B ) regarding illegal reinsertion. Provide complete validation including original creditor, contract, and chain of custody, or delete the account. 
XXXX XXXX XXXX Acct XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Collection ISSUE : This appears completely fraudulent or a mixed-file error because the date opened is incorrect, futuristic, and impossible. Reporting impossible data violates FCRA 602 ( A ) and FCRA 607 ( b ). This must be deleted immediately as it is clearly inaccurate and unverifiable. 
XXXX  INQUIRY DISPUTES These inquiries were performed without my permission, are not tied to any application I submitted, and violate FCRA 604 ( a ) ( 2 ), which requires permissible purpose. I am demanding deletion of all unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ISSUE : I did not authorize these inquiries, did not apply for credit with these entities, and did not provide any consent. Under FCRA 604, a credit pull without permissible purpose is illegal. These inquiries must be removed immediately. 
REQUEST TO CFPB I am requesting the CFPB to take immediate action because the credit bureaus and furnishers are continuing to report inaccurate and unverified information even after disputes. I want the CFPB to require the bureaus and the furnishers to : XXXX. Provide full validation for all listed collection accounts including contracts, itemized statements, and ownership chain XXXX. Delete any account or inquiry that can not be verified XXXX. Remove all unauthorized XXXX  inquiries XXXX. Enforce penalties for FCRA violations and prevent reinsertion without certification XXXX. Ensure all furnishers follow proper investigation procedures under FCRA 611 This situation is causing severe financial harm and is preventing me from accessing fair credit opportunities. I am requesting immediate correction and action.

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