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: FL

Complaint narrative:
I am filing this complaint because Experian continues to report multiple accounts and inquiries that are inaccurate, incomplete, not verifiable, and not in compliance with the Fair Credit Reporting Act, which requires maximum possible accuracy under 15 USC 1681e ( b ), mandates that only verifiable information be furnished under 15 USC 1681i, and prohibits consumer reporting agencies from reporting accounts or inquiries that can not be validated with proper documentation. Experian has failed to provide any original contracts, signed applications, proof of liability, or itemized statements proving the accuracy of the disputed information, and instead continues to publish damaging data that is harming my creditworthiness, causing emotional distress, financial hardship, and the denial of credit opportunities. I am requesting full reinvestigation and immediate correction or deletion where appropriate. 
XXXXXXXX XXXX XXXX XXXX High Balance {$840.00} Date Opened XX/XX/XXXX Late Payment Experian is reporting this account with late payment history that I dispute as entirely inaccurate. I am fully aware of this account, however the payment history Experian is publishing does not match my real payment behaviour, and I am requesting that this late-payment history be corrected as inaccurate rather than deleted. Under 15 USC 1681e ( b ) Experian must ensure maximum possible accuracy, and the dates of the alleged late payments do not align with any factual records. I demand Experian obtain full payment logs from the furnisher and correct the reporting immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$150.00} Date Opened XX/XX/XXXX Collection This is an account I have no knowledge of, no contract, no prior communication, no agreement, and no verification proving I owe this debt. Experian has refused to provide the legally required documentation proving this belongs to me, which is required under 15 USC 1681i and 1681b. Reporting a collection account without verifying identity, contract, breakdown of charges, or proof of assignment is a violation of the FCRA. This account must be deleted in full for failure to verify. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Experian is reporting this inquiry but I never authorized, initiated, or applied for credit with this entity on that date or at any time. Any inquiry that can not be proven as initiated by me is an impermissible access under 15 USC 1681b. This must be removed immediately. 
XXXX XXXX Date XX/XX/XXXX I did not authorize this inquiry and Experian has provided no documentation proving permissible purpose. This access is unlawful and must be deleted. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Another inquiry that I did not initiate or authorize. Experian must remove this for lack of permissible purpose and failure to verify the legitimacy of the inquiry. 
XXXX XXXX XXXX Date XX/XX/XXXX No application, no authorization, no permissible purpose. Experian is reporting unauthorized access to my credit file. This inquiry must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of this inquiry and no record of any credit application with this company. Experian must remove it for failure to verify accuracy and for violating 15 USC 1681b.

I am requesting that the Consumer Financial Protection Bureau require Experian to complete a lawful reinvestigation of all disputed accounts and inquiries, provide documentation that meets FCRA standards, correct the incorrect late-payment history, delete the unverifiable collection account, and remove every unauthorized inquiry listed above. Experian must comply with all FCRA obligations and stop reporting unverified, inaccurate, or unauthorized information that is harming me financially.

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