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: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple inaccurate, unverifiable, and fraudulent items on my credit report. These items are severely damaging my creditworthiness and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes with the credit bureaus, these items remain uninvestigated or falsely reported. 
I demand immediate action, investigation, and deletion of the following items : XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address I NEVER lived here and never authorized the reporting of this address. Your bureau is reporting a completely fraudulent and unauthorized address, violating FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX TX XXXX Wrong Address This address does not belong to me, I never lived here, never used it, and this must be deleted immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1400.00} Charge Off I DO NOT recognize this account, never authorized it, never opened it, and there is NO contract. This appears to be identity-mixing or inaccurate reporting. DELETE IMMEDIATELY. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off A charge-off with a {$0.00} balance and no verifiable contract is CLEARLY UNVERIFIABLE. This is inaccurate, misleading, and must be removed. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off I have NO KNOWLEDGE of this account. This account is illegal to report without proof of my authorization. REMOVE IT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off You are reporting duplicate, unverified accounts under the same creditor. This is inaccurate and misleading under FCRA 607 ( b ). Delete immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is NOT mine and is completely unverifiable. I demand immediate deletion. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$320.00} Late Payment These late payments are FALSE AND INACCURATE. I never made late payments, and the reporting is harming me. Correct the history to Paid/On-Time or delete if unverifiable. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment I dispute this as inaccurate and unsupported. There is NO documentation showing a late payment, and reporting it is a violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment False, inaccurate, and misleading. Your bureau is reporting a late payment that does not exist. This has caused damage to my creditworthiness and must be corrected. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This is false. There is no factual basis for any delinquency. You are reporting harmful information without proper verification. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment False, inaccurate, and misleading. Your bureau is reporting a late payment that does not exist. This has caused damage to my creditworthiness and must be corrected. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment I NEVER made any late payment on this loan. This reporting is either a clerical error or a data-mix issue. You are responsible for maintaining maximum possible accuracy, which you have failed to do. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment The reported delinquency is completely untrue. I was fully compliant with repayment and no late records exist. This false mark is damaging and unlawful. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Incorrect information. There is no evidence that I was ever late. Your reporting is inaccurate, harmful, and must be fixed immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This is false. There is no factual basis for any delinquency. You are reporting harmful information without proper verification. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment I dispute this as inaccurate and unsupported. There is NO documentation showing a late payment, and reporting it is a violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Another DUPLICATE entry, showing your records are not maintained properly. This false reporting must be removed immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This is false and unverified. I have proof of on-time payment history, and this negative mark is unlawful. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Completely inaccurate. I never failed to make a payment, and I demand deletion if you can not verify the late payment through original servicer records. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This claim is false. You are reporting damaging information without evidence. This must be updated immediately to reflect accurate payment history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Duplicate inaccurate entry. This is misleading and inflates the negative impact on my credit. Remove immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Completely false. I demand verification or deletion under FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Also a repeated duplicate. This shows your system is mixing data, which is illegal under FCRA standards. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment Inaccurate and damaging. I dispute this entry and demand proof of delinquency. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment I NEVER missed a payment. This reporting is false and must be corrected immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment No record exists showing any late payment. Your bureau is reporting harmful false information and violating FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Collection This account is NOT mine. I never opened it, never authorized it, and no contract exists linking me to this debt. This is a clear case of inaccurate reporting and must be deleted. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Collection I do not recognize this account and have no knowledge of it. Your bureau is reporting unverifiable debt that violates FCRA accuracy standards. Remove this immediately. 
XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment These late payments are FALSE. I never made late payments on this account, and there is no proof supporting this derogatory status. Correct the payment history or delete. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off I have NO knowledge of this account and never authorized it. A charge-off with a {$0.00} balance is suspicious and unverified. Remove immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off I never opened or authorized this account. You are required to provide proof, including original signed application and complete account records. If not, delete. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This is an inaccurate duplicate account with false derogatory reporting. I dispute and demand deletion. 
XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is NOT mine. I dispute the accuracy and verifiability of the entire account. Remove immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Collection You are reporting this SAME account multiple times under different variations. This is misleading, harmful, and illegal under FCRA. Delete ALL duplicates. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Collection Again, duplicate XXXX reporting. This is an unlawful attempt to damage my file with multiple entries for the same alleged debt. Delete immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Collection I DO NOT recognize this account and never authorized it. A {$0.00} balance collection is unverified, inaccurate, and misleading. DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Collection Duplicate reporting from the same creditor with different dates is illegal and violates FCRA 607 ( b ). REMOVE THIS ACCOUNT. 
XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$430.00} Late Payment These late payments are FALSE. I never paid late, and the reporting is inaccurate and harmful. CORRECT TO ON-TIME or DELETE. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry I did NOT authorize this pull. Remove immediately under FCRA 604. 
XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry No application, no permission. MUST BE REMOVED. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry I never applied for credit on this date. REMOVE. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry This is FRAUDULENT and must be deleted. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry No consent was given. DELETE. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized Inquiry I never gave permission or applied for credit. REMOVE. 
Action Requested : XXXX. Conduct a full and proper investigation of each item. 
XXXX. Delete or correct all unverifiable, inaccurate, or fraudulent items immediately. 
XXXX. Provide written confirmation once corrections are made. 
Failure to take action will result in legal recourse, including enforcement actions under the FCRA. These items are wrongful, damaging, and potentially fraudulent, and I demand immediate remediation.

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