Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint to bring to your attention a series of inaccurate, unverified, and unauthorized entries appearing on my credit reports with the major credit reporting agencies ( Experian, Equifax, and TransUnion ). Despite my repeated disputes and requests for verification, the bureaus and the furnishers have continued to report these false items without providing any proof of legitimacy or permissible purpose. 
The following accounts and inquiries are being falsely or unlawfully reported on my credit report : Personal Information Errors XXXX XXXX XXXX Wrong Name This name is completely inaccurate and does not belong to me. It appears that my credit file may have been mixed with another individuals information, causing false identification entries. I have never used or signed any documents under this name, and I demand it be deleted immediately. 
XXXX XXXX XXXX Wrong Name This entry shows a clear data mix-up between first and last names. I do not have any record or identification resembling this variation. 
XXXX XXXX XXXX Wrong Name This is an incorrect and unauthorized entry in my report. I never used this name in any legal, financial, or credit-related capacity. 
XXXX XXXX XXXX Wrong Name Another wrong combination that does not represent my identity. It must be deleted to ensure my credit report accurately reflects only verified information. 
XXXX XXXX Wrong Name Completely incorrect and irrelevant to my records. I am not associated with this identity in any form. 
XXXX Wrong Date of Birth This date of birth is false and inaccurate. My correct date of birth is different, and any wrong DOB must be deleted to prevent identity confusion and protect the accuracy of my profile. 
Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, CT XXXX Wrong Address I have no association with this property, and its listing in my report is false and misleading. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Wrong Address This incorrect address creates confusion regarding my identity. I have never lived here nor conducted any financial business from this address. 
Account Disputes DEPT OF ED / XXXX  Acct : XXXX | Opened : XX/XX/XXXX | High Credit : {$38000.00} | Late Payment This account is showing false late payments that I never made. My payment history with the Department of EducationXXXX has XXXX consistent and timely. The alleged delinquencies are not accurate, and there has been no valid proof provided to substantiate them. This is a clear case of reporting error, and I demand correction to reflect a perfect payment history. 
XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | High Credit : {$27000.00} | Charge Off This account is being reported as a charge-off, which is false and highly misleading. I have no knowledge of this account, nor have I ever received validation proving its authenticity. The creditor failed to provide any original contract or signed agreement linking me to this debt. This inaccurate charge-off is unjustly harming my credit score and must be deleted immediately due to lack of verification and reporting inaccuracy. 
XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | High Credit : {$570.00} | Charge Off This account is being reported as a charge-off, yet I have no record or acknowledgment of any delinquent account with XXXX XXXX XXXX  XXXX The reporting agency has failed to verify this with original documentation. Without proper validation from the original creditor, this information is considered unverifiable and must be permanently removed to preserve the accuracy of my credit file. 
XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | High Credit : {$4400.00} | Collection This collection account does not belong to me. I have never received any notice, validation, or original proof of debt from XXXX XXXX XXXX. The date reported also appears suspicious, suggesting either identity confusion or an unauthorized collection entry. Since no verifiable documentation supports this claim, I am demanding immediate deletion of this account for being inaccurate and unverifiable. 
XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | High Credit : {$6900.00} | Collection This is another false and unverified collection being reported under XXXX XXXX XXXX. I have never held or authorized any debt with this company, and no supporting validation has ever been presented to me. Reporting such an account without verification violates federal accuracy standards. This must be investigated and deleted from my credit report immediately. 
Unauthorized or Questionable Inquiries XXXX XXXX : XX/XX/XXXX This inquiry was made without my consent or authorization. It is an unwarranted pull of my credit and violates the permissible purpose standards under the FCRA. I request deletion immediately. 
XXXX XXXX Dated : XX/XX/XXXX I did not apply for any credit or vehicle financing through XXXX on this date. This inquiry is unauthorized and damaging, and I demand that it be deleted from my credit report. 
XXXX XXXX  Dated : XX/XX/XXXX This is another unapproved inquiry, and I have no relationship with Avantus or Wings Financial. The inquiry is illegitimate and violates the permissible purpose clause. Please delete immediately. 
Summary of Complaint The credit bureaus and furnishers have failed to properly verify, correct, or remove these false accounts and inquiries. They have ignored my prior disputes and continued to report information that is inaccurate, unverified, and damaging. I am requesting that the CFPB : 1. Investigate XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX for reporting unverifiable or inaccurate accounts. 
2. Investigate the credit bureaus ( ExperianXXXX XXXX XXXX ) for failing to conduct proper reinvestigations as required under the FCRA. 
3. Investigate XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX for performing unauthorized credit inquiries without my consent. 
4. Ensure all inaccurate and unverified data is deleted from my credit reports and that my consumer rights are upheld. 
These errors have caused me emotional distress, loss of financial opportunities, and significant damage to my credit standing. I am requesting immediate action from the CFPB to ensure the responsible parties are held accountable and that all false and unauthorized entries are permanently removed. 
Thank you for your attention to this serious matter. I am attaching supporting documents, including copies of my disputes sent to the bureaus, proof of identity, and screenshots of the disputed accounts and inquiries.

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