Consumer complaint received 2025-11-21 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:
This is my formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate, unverified, and unauthorized items being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 602, 604, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ). I have disputed these items directly with the credit reporting agencies, but they have failed to properly investigate, verify, or correct the inaccurate information. These inaccurate accounts and inquiries are severely harming my credit score, causing denial of credit, financial hardship, emotional stress, and negatively impacting my ability to secure stable housing and financial opportunities. I am requesting your immediate assistance to enforce compliance and require the credit bureaus and data furnishers to provide full documentation or delete any unverifiable items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00} Late Payment Issue : I never made any late payments on this account. The reported delinquencies are completely false. If you can not provide original payment records, contractual agreements, and timestamps proving these alleged late payments, then this reporting is inaccurate and must be corrected immediately under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : This account contains wrong late payment history. I paid on time and no documentation has ever been provided showing real late payments. You are reporting unverifiable information, violating FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Late Payment Issue : I did NOT make late payments on this account. This is a serious reporting error harming my credit. Provide original payment ledgers or remove the inaccurate late payment status immediately. 
XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Late Payment Issue : This late payment status is completely wrong. I dispute the entire late payment history, and unless you have full verification including contractual documentation and timestamped records, you must correct the reporting under FCRA XXXX. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Charge Off * * Issue : I have NO knowledge of this account and did not authorize it. No contract, no application, no proof has been provided. This account is unverifiable and must be deleted under FCRA XXXX & XXXX. 
XXXX XXXX XXXX  Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : This late payment history is wrong. I paid on time and dispute the accuracy of the entire payment reporting. You must correct this item immediately. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Collection Issue : I have NO knowledge of this account. I never received any notice, XXXX, or communication. No contract or proof has been provided by you or the collector. This account is unverifiable and must be deleted under FCRA XXXX & XXXX. 
XXXX XXXXXXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection Issue : I do not recognize this alleged debt. There is no validation, no contract, no proof that this debt belongs to me. This reporting is inaccurate and must be deleted. 
XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Collection Issue : This account is completely unknown to me. I never approved or signed for it. You have failed to produce any original documentation. Without proper validation, this account can not legally remain. 
XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection Issue : I have no knowledge of this account. This item can not be verified and has no original documentation. Delete for failure to verify. 
XXXX XXXX  Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Collection Issue : Another Portfolio account with no proof or validation. I dispute the accuracy completely. Without contract, statements, or proof, this item must be deleted immediately. 
INQUIRIES ( Unapproved & Unauthorized ) Under FCRA 604, no company may pull my credit without permissible purpose. These inquiries have NO authorization from me and therefore violate FCRA requirements. 
XXXX XXXX XXXX Date : XX/XX/XXXX Duplicate unauthorized inquiry. I dispute both as unapproved. 
I attempted to resolve all of these issues directly with the credit bureaus, but they failed to follow proper FCRA procedures. They have not provided : Original signed contracts Proof of debt ownership Itemized statements Notice of validation Permissible purpose documentation Proper investigation results These failures violate FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). Because these items are unverified, inaccurate, and unauthorized, I am requesting the CFPB to : 1. Order a full reinvestigation 2. Require furnisher ( s ) to provide complete proof 3. Delete all unverifiable accounts and inquiries 4. Ensure compliance with FCRA accuracy and verification standards I am asking for your immediate intervention to help resolve these ongoing reporting violations, as they are causing continuous harm and preventing me from maintaining stable financial standing.

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