Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies and furnishers have willfully violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverified, duplicate, unauthorized, and misleading information on my credit file. Despite my previous disputes, the agencies continue to report false data in violation of FCRA 602 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). I am demanding an immediate investigation into the following items and enforcement action against the reporting agencies and furnishers. 
XXXX XXXX * * DATE OPENED : XX/XX/XXXX BALANCE : {$150.00} STATUS : CHARGE OFF * * issue : this account is being reported as a charge off even though i have no record, no agreement, no contract, no billing statements, no original proof, no validation, and no authorization connected to this account. the furnisher failed to provide any documentation proving this debt belongs to me which is a violation of fcra 15 usc 1681 and fcra accuracy guidelines. you are reporting incomplete and unverifiable information which is harming me financially. this item is clearly inaccurate and must be deleted immediately. 
XXXX XXXX XXXX XXXX * * DATE OPENED : XX/XX/XXXX BALANCE : {$1600.00} STATUS : COLLECTION * * issue : XXXX XXXX is reporting a collection that i do not owe. they have never validated any documentation, never provided an original creditor agreement, and have duplicated this same account multiple times which is a known debt-cloning violation under the fcra and fdCPA. reporting a balance without proof violates 1692g ( b ) and 1681e ( b ). this account is false, duplicated, unverified, and must be removed immediately. 
XXXX XXXX XXXX XXXX * * DATE OPENED : XX/XX/XXXX BALANCE : {$220.00} STATUS : COLLECTION * * issue : XXXX is reporting a collection with no proper verification, no supporting legal documents, no original contract, and no billing history. i never received any notice regarding this alleged debt. this reporting is inaccurate and has no permissible purpose. because they can not validate this account under 15 usc 1692g and fcra 1681i it must be deleted immediately. 
XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$470.00} STATUS : COLLECTION issue : XXXX XXXX is reporting false, unverified, and incomplete information. they failed to validate the account. they can not provide any original documents. the reporting also conflicts with another duplicate entry under a slightly different name. this is deceptive reporting and must be removed immediately under fcra sections 1681i and 1681e ( b ). 
These items remain on my credit reports without any valid verification. The bureaus and furnishers are refusing to follow federal law, which has caused financial harm and continues to damage my credit profile. I am requesting the CFPB to investigate these violations, require deletion of all unverified and inaccurate items, and take enforcement action against the responsible entities for ongoing noncompliance.

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