Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccurate, fraudulent, and unverified items that the credit bureaus have refused to correct, even after I submitted disputes, supporting documents, and an FTC Identity Theft Report. 

These errors are harming me financially and personally, and I am requesting CFPB assistance to ensure the bureaus comply with the Fair Credit Reporting Act ( FCRA ) and remove all inaccurate data. 

1. Violations of FCRA 602 ( a ) & 607 ( b ) Failure to Maintain Maximum Possible Accuracy The bureaus are reporting several items about my identity that are not mine and have no connection to me. These errors create confusion and trigger additional fraudulent activity.

Incorrect Former Name Reported : XXXX XXXX Reason : This name is inaccurate and does not belong to me. 
Demand : Delete immediately. 

Incorrect Previous Address Reported : XXXX XXXX XXXX, XXXX, CA XXXX Reason : I have never lived at this address. 
Demand : Delete immediately. 

Incorrect Employer Reported : XXXX XXXX Reason : I have never worked for this employer. 
Demand : Delete immediately. 

These identity errors violate FCRA 602 ( a ) ( reasonable procedures for accuracy ) and 607 ( b ) ( maximum possible accuracy requirement ).

2. Unauthorized Hard Inquiries No Permissible Purpose ( FCRA 604 ) I did not authorize the following inquiries. They violate FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ), which require a valid permissible purpose.

Unauthorized Inquiry Creditor : XXXX XXXX Date : XX/XX/XXXX Demand : Delete immediately. 

Unauthorized Inquiry Creditor : XXXX XXXX  Date : XX/XX/XXXXXXXX  Demand : Delete immediately. 

These companies had no permissible purpose to access my credit file. 

3. Fraudulent Accounts Identity Theft ( FCRA 605B ) I already submitted an FTC Identity Theft Report, but XXXX XXXX  continue reporting accounts that do not belong to me, violating FCRA 605B which requires blocking identity theft information.

Fraudulent Account Not Mine Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX Demand : Delete immediately. 

Fraudulent Account Not Mine Creditor : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Demand : Delete immediately. 
( These two accounts are also duplicated in the report. Please remove ALL duplicate entries. ) These accounts are the result of identity theft and must be blocked and removed.

4. Fraudulent Bankruptcy No Court Record ( FCRA 623 & 607 ( b ) ) The credit bureaus are reporting a bankruptcy case that does not belong to me. This is extremely damaging and completely false.

Fraudulent Bankruptcy Reporting XXXX  XXXX Case Number : XXXX Reason : I never filed this case, and there is no certified bankruptcy court documentation connected to my name. 
Demand : Delete immediately. 

Under FCRA 623 ( a ) ( 4 ) and 607 ( b ), the bureaus may only report a bankruptcy if it has been verified with the U.S. Bankruptcy Court, which they have failed to do.

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