Consumer complaint received 2025-11-16 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:
EXPERIAN Subject : Experian Continuing to Report Inaccurate Personal Information, Unverifiable Accounts, and Unauthorized Hard Inquiries in Violation of the FCRA To Whom It May Concern : This complaint addresses a series of ongoing and serious violations committed by Experian, involving the reporting of inaccurate personal identifying information, unverifiable tradelines, and multiple unauthorized hard inquiries. These issues violate several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) ( accuracy requirement ) 15 U.S.C. 1681i ( reinvestigation requirements ) 15 U.S.C. 1681s-2 ( b ) ( furnisher investigation duties ) 15 U.S.C. 1681b ( permissible purpose for inquiries ) 15 U.S.C. 1681c-2 ( identity theft and blocking requirements ) I have submitted multiple disputes regarding these items, and Experian continues to report inaccurate and unverifiable information. These inaccuracies are causing ongoing credit denials, financial hardship, and emotional distress. 

1. INACCURATE PERSONAL INFORMATION ( FCRA 1681e ( b ) ) Experian continues to report names that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are incorrect and were previously disputed. They have been deleted from other CRAs but remain on Experian. 
This violates FCRA 1681e ( b ), which requires Experian to maintain maximum possible accuracy. 

2. STUDENT LOAN REPORTING INCONSISTENCY ( FCRA 1681s-2 ( b ) ) XXXX XXXX XXXX XXXXXXXX account was deleted by XXXX  in XX/XX/year> XXXX it was unverifiable. 

Experian continues to report the account despite : prior disputes proof of deletion on another CRA inconsistent and inaccurate data This shows failure to conduct a proper furnisher investigation as required under FCRA 1681s-2 ( b ). 

3. UNVERIFIABLE ACCOUNTS ( FCRA 1681e ( b ) and 1681i ) The following accounts are inaccurate, unverifiable, and have been disputed multiple times : XXXX XXXX XXXX  XXXX Account ending in XXXX XXXX XXXX XXXX Accounts ending in : XXXX These accounts contain inaccurate dates, unverifiable ownership, and inconsistent reporting across CRAs. 

Experian failed to : reinvestigate delete unverifiable data provide documentation supporting their continued reporting 4. FRAUDULENT / UNAUTHORIZED HARD INQUIRIES ( FCRA 1681b ) Experian is reporting multiple hard inquiries from XX/XX/year> that I did NOT authorize and that have no permissible purpose. 

These inquiries must be deleted immediately : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries relate to auto loans I never applied for, and therefore violate FCRA 1681b ( f ). 

5. FAILURE TO CONDUCT A PROPER REINVESTIGATION ( FCRA 1681i ) Despite multiple disputes, Experian has : refused to delete inaccurate information ignored evidence showing deletion by other CRAs failed to provide legible verification continued publishing unverifiable data ignored unauthorized inquiries This constitutes a systematic failure to reinvestigate under 1681i.

ATTACHMENTS AVAILABLE UPON REQUEST I can provide : Identity documents Dispute history Credit reports showing deletions by other CRAs CFPB complaint receipts Hard inquiry documentation Timeline of harm

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