Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
EXPERIAN IS REPORTING INACCURATE, UNVERIFIABLE, AND RE-AGED ACCOUNTS UNDER MULTIPLE FALSE IDENTITIES, IN VIOLATION OF THE FCRA AND METRO 2 STANDARDS I AM FILING THIS FORMAL COMPLAINT AGAINST EXPERIAN FOR NUMEROUS VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND METRO 2 COMPLIANCE GUIDELINES REGARDING THE REPORTING OF ACCOUNTS UNDER MY NAME.

MY CORRECT IDENTITY FULL NAME : XXXX XXXX DATE OF BIRTH : XXXX CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS NOTED ON EXPERIAN CREDIT REPORT MULTIPLE FALSE NAMES & MIXED FILE VIOLATIONS EXPERIAN IS REPORTING ACCOUNTS UNDER SEVERAL INCORRECT AND UNAUTHORIZED NAME VARIATIONS, INCLUDING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX I HAVE NEVER USED THESE ALIASES, AND I BELIEVE EXPERIAN HAS COMBINED MY FILE WITH OTHER CONSUMERS, VIOLATING FCRA 1681E ( B ) THE REQUIREMENT FOR MAXIMUM POSSIBLE ACCURACY AND FCRA 609 ( A ), WHICH GUARANTEES MY RIGHT TO CORRECT PERSONAL IDENTIFYING INFORMATION.

RE-AGING OF ACCOUNTS FCRA 623 ( A ) ( 5 ) VIOLATION SEVERAL DEROGATORY ACCOUNTS SHOW INACCURATE " DATE OF LAST ACTIVITY '' OR " DATE OF LAST PAYMENT '' THAT APPEAR TO HAVE BEEN ILLEGALLY UPDATED TO A RECENT DATE, MAKING THE DEBT LOOK NEWER THAN IT IS. THIS RE-AGING RESTARTS THE REPORTING TIMELINE UNLAWFULLY XXXX XXXX XXXX XXXX XXXX XXXX  REPORTED LAST ACTIVE XX/XX/XXXX, YET SHOWING NEW ACTIVITY ON XX/XX/XXXXXXXX XXXX XXXX XXXX LAST PAYMENT WAS XX/XX/XXXX, YET LAST ACTIVE IS XX/XX/XXXX XXXX XXXX XXXX PAYMENT STOPPED IN XXXX, BUT LAST ACTIVE DATE SHOWS AS XX/XX/XXXX UNDER FCRA 623 ( A ) ( 5 ), FURNISHERS MUST REPORT THE ORIGINAL DATE OF FIRST DELINQUENCY, NOT ARTIFICIALLY UPDATE THE ACTIVITY DATE.

UNVERIFIABLE AND INACCURATE PERSONAL DATA EXPERIAN IS REPORTING FORMER ADDRESSES AND EMPLOYERS THAT ARE UNFAMILIAR AND NOT LINKED TO ME, SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS IN VIOLATION OF FCRA 609 ( A ) ( 1 ), AS THE SOURCE OF THIS PERSONAL INFORMATION MUST BE PROVIDED UPON REQUEST, AND IF UNVERIFIABLE, IT MUST BE REMOVED UNDER FCRA 611.

FAILURE TO CONDUCT A REASONABLE INVESTIGATION I HAVE DISPUTED SEVERAL ACCOUNTS. EXPERIAN RESPONDED WITH : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS AND LATER DISPUTE RESOLVED CONSUMER DISAGREES HOWEVER, I HAVE NEVER RECEIVED SUPPORTING DOCUMENTATION, INCLUDING : CONTRACTS BEARING MY SIGNATURE PROOF OF ANY ACCOUNT RELATIONSHIPS PROOF OF THE ACCURACY OF THE DATES, NAMES, OR ACCOUNT STATUSES THIS IS A CLEAR VIOLATION OF FCRA 611 ( A ) ( 1 ) AND 611 ( A ) ( 6 ) ( B ) ( II ), WHICH REQUIRES A PROPER INVESTIGATION AND NOTICE OF RESULTS WITH SUBSTANTIATION.

IMMEDIATE DELETION OF ALL INACCURATE, UNVERIFIABLE, OR RE-AGED ACCOUNTS.

FULL REINVESTIGATION OF ALL DISPUTED ITEMS WITH WRITTEN PROOF OF VALIDITY.

REMOVAL OF ALL INCORRECT NAMES, FORMER ADDRESSES, AND EMPLOYERS NOT LINKED TO ME.

CIVIL PENALTIES AND CORRECTIVE ACTION AGAINST EXPERIAN FOR NON-COMPLIANCE.

PLEASE TAKE THIS MATTER SERIOUSLY AND ASSIST IN ENFORCING COMPLIANCE WITH FEDERAL LAW. I AM REQUESTING THAT THE CFPB REQUIRE EXPERIAN TO CORRECT ALL VIOLATIONS AND ISSUE A CORRECTED CREDIT REPORT.

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