Consumer complaint received 2025-11-17 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:
Dear CFPB, I am filing an official complaint regarding multiple inaccurate, unverified, and unauthorized items that are being reported on my credit report by XXXX. These items include collections, charge-offs, and unauthorized inquiries that do not belong to me. I have disputed these items with TransUnion, but they remain uncorrected. 
I am requesting CFPB intervention to ensure the credit bureaus and furnishers comply with the Fair Credit Reporting Act ( FCRA ) and provide proper verification, or immediately remove the inaccurate information. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived at, used, or been associated with this address. This location has absolutely no connection to my personal, employment, or financial history. The presence of this incorrect address may indicate mixed files or identity errors. Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address does not belong to me and has no relationship with any residence or property I have ever used. Its appearance on my credit file is inaccurate and misleading. Remove this address entirely as it may be tied to accounts that are not mine. 
XXXX XXXX Acct : XXXX * ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I do not recognize this account. I never applied for, opened, or authorized any account with this creditor. Please provide original application, signed documents, and full account history. If you can not provide proper verification, remove this account immediately. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I have no knowledge of ever having a XXXX or XXXX account XXXX This appears to be a mixed-file or identity error. I request full validation, including proof of ownership and the original contract. If unverifiable, delete the account immediately. 
XXXX XXXX XXXX XXXX ( Acct : XXXX * ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * This account does not belong to me. I never opened any account with XXXX XXXX or XXXX Bank. Please provide all supporting documentation. If you can not validate it, the FCRA requires removal. 
XXXX XXXX XXXX  ( Acct : XXXX * ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I have no record of this account. I am requesting full verification including proof of identity, contract, and payment history. If these documents can not be produced, you must delete this account. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I never opened this account. I am requesting validation including original agreement and identity verification. Any account not belonging to me must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXX * ) High Balance : {$0.00} | Opened : XX/XX/XXXX | Charge Off * * I have no relationship with this creditor. Please provide all verification materials. If you can not confirm ownership, this item must be removed promptly. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$1700.00} | Opened : XX/XX/XXXX | Charge Off * * This account is not mine. I never used XXXX for any purchase or loan. Please verify with contract, payment history, and identity match. Remove the account if unverifiable. 
XXXX XXXX, XXXX ( Acct : XXXX * ) High Balance : {$6000.00} | Opened : XX/XX/XXXX | Charge Off * * I never applied for any loan with this company. This appears to be inaccurate or fraudulent. Provide validation or delete this entry immediately. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$730.00} | Opened : XX/XX/XXXX | Collection * * I do not recognize this account and have never been notified of any debt connected to this creditor. I request full validation including the original creditor name, account history, contract with my signature, and proof this debt belongs to me. If proper documentation can not be provided, this entry must be deleted immediately under the FCRA for being inaccurate or unverifiable. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$810.00} | Opened : XX/XX/XXXX | Collection * * This account is not mine. I have never opened or used any account that matches this information. XXXX must provide full validation : original creditor details, account-level documentation, and identity verification. If they can not prove ownership, please remove this account from my credit report as required by the FCRA. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$580.00} | Opened : XX/XX/XXXX | Collection * * I have no knowledge of this account. I never received any communication or billing from this creditor or any related company. Please provide original documentation and proof that this debt belongs to me. Any account that can not be verified must be deleted immediately. 
XXXX XXXX XXXX XXXX ( Acct : XXXX * ) High Balance : {$6200.00} | Opened : XX/XX/XXXX | Collection * * This debt does not belong to me. I am requesting a complete investigation including contract copies, statements, and proof linking this account to my identity. Without proper validation, this reporting is inaccurate and must be removed under federal law. 
XXXX XXXX XXXX ( Acct : XXXX * ) High Balance : {$2800.00} | Opened : XX/XX/XXXX | Collection * * I do not owe this debt and do not recognize this account. Please provide full validation including documentation from the original creditor. If the debt can not be 100 % verified, it must be removed for being inaccurate and potentially tied to a mixed-file error. 
Brightway/Onemain ( Acct : XXXX * * * * ) High Balance : {$850.00} | Opened : XX/XX/XXXX | Charge Off * * I have never opened any account with Brightway or OneMain. This appears to be an error or fraudulent entry. Please validate with signed applications, account history, and identification records. If you can not provide these documents, the account must be deleted based on FCRA regulations requiring accuracy and verifiability. 
XXXX XXXX XXXX Date : XX/XX/XXXX I did not apply for any XXXX XXXX credit on this date. This inquiry is unauthorized and must be removed. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have no application with XXXX XXXX on this date. This inquiry is not mine and must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Unauthorized inquiry. I did not apply for credit with Bank XXXX XXXX on this date. Please remove it. 
XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX This duplicate inquiry is also unauthorized. Remove both entries because they were not permitted by me. 
XXXX XXXX Date : XX/XX/XXXX I did not authorize XXXX to perform a credit inquiry on this date. Please delete it for being inaccurate. 
XXXX XXXX Date : XX/XX/XXXX This inquiry is not mine. I request removal as I never applied for any credit with this creditor. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I never authorized XXXX XXXX or XXXX to access my credit report. Please delete this unauthorized inquiry. 
REQUEST FOR CFPB ACTION I respectfully request that the CFPB : Require TransUnion to conduct a thorough reinvestigation Require furnishers to provide proper validation and documentation Remove all accounts that can not be verified Remove all unauthorized inquiries Ensure compliance with all FCRA regulations These inaccurate items are harming my creditworthiness, causing financial stress, and negatively affecting my ability to obtain credit and housing. I am requesting immediate assistance to correct these issues. 
Thank you for your help and attention. I look forward to your prompt resolution.

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