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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because Experian is reporting multiple inaccurate, unverified, and fraudulent items on my credit report. I have disputed these items directly with Experian, but they continue to appear, causing damage to my credit, stress, and financial harm.

I am requesting CFPB assistance to require Experian and the data furnishers to provide proof of verification or remove these items from my report.

DISPUTED PERSONAL INFORMATION WRONG / FRAUDULENT ADDRESSES These addresses are not mine, never associated with me, and appear due to identity theft, file contamination, or improper matching, violating FCRA 607 ( b ) and 609 ( a ) ( 1 ).

I demand immediate deletion under FCRA accuracy requirements. 
1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX WRONG ADDRESS These addresses must be deleted because they were never lived at, used, or authorized by me.

DISPUTED ACCOUNTS UNVERIFIED / FRAUD / NO PERMISSIBLE PURPOSE / METRO 2 VIOLATIONS XXXX Acct : XXXX Charge-Off High Balance : {$970.00} Date Opened : XX/XX/XXXX ISSUES : I never opened or authorized this account. No original signed contract exists. No permissible purpose under FCRA 604. This is an identity theft / mixed file entry. Violates Metro 2 accuracy standards. Must be deleted. 
XXXX Acct : XXXX Charge-Off High Balance : {$18000.00} Date Opened : XX/XX/XXXX ISSUES : No proof of ownership. No contract. No authorization. No permissible purpose. Mixed file indicators present. Must be deleted under FCRA 611. 
XXXX Acct : XXXX Charge-Off High Balance : {$27000.00} Date Opened : XX/XX/XXXX ISSUES : Never opened. Reporting incomplete and unverifiable. Violates FCRA 607 ( b ). Must be removed. 
XXXXXXXX XXXX Acct : XXXX Collection High Balance : {$970.00} Date Opened : XX/XX/XXXX ISSUES : Duplicate entry, inaccurate data, improper reporting. Violates Metro 2 duplication rules. Must be deleted immediately.

UNAUTHORIZED HARD INQUIRIES NO PERMISSIBLE PURPOSE ( FCRA 604 ) These inquiries were never authorized by me. Remove them immediately. 
XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX  Inquiry XX/XX/XXXX These inquiries violate FCRA 604 ( a ) ( 2 ) because no credit application, authorization form, or permissible purpose exists.

Lack of Verification and Investigation Experian has failed to properly verify any of these accounts, addresses, or inquiries and continues to report inaccurate information.

This violates : FCRA 607 ( b ) reasonable accuracy FCRA 611 ( a ) reinvestigation requirements FCRA 623 furnisher responsibility to report accurate data I have already submitted disputes and provided proof of identity, yet these items remain.

Requested Action from CFPB I respectfully request that the CFPB : 1. Require Experian to provide full verification, including original applications and account-opening documents.

2. Require the furnishers to prove ownership and permissible purpose.

3. Order Experian to delete any item that can not be verified.

4. Ensure all wrong addresses, fraudulent accounts, duplicate collections, and unauthorized inquiries are removed.

5. Ensure compliance with FCRA and proper correction of my credit file.

Thank you for your assistance. These inaccuracies are harming my credit and financial well-being, and I need CFPB support to correct this.

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