Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
I am filing this complaint because my credit reports contain multiple derogatory accounts and a large number of unauthorized credit inquiries that do not belong to me, were not authorized by me, and appear to be the direct result of identity theft, file mixing, or erroneous reporting. I have filed an FTC Identity Theft Report to formally document that these accounts and inquiries are fraudulent. 

The following derogatory accounts are currently appearing on my credit reports, even though I do NOT own or recognize any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX separate derogatory entries ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derogatories ) Ally ( XXXX separate derogatory accounts ) XXXX XXXX XXXX None of these accounts are mine. I did not authorize, open, sign for, possess, or use any services, loans, credit lines, or contracts associated with any of these companies. 

XXXX. What Happened Overview of Fraudulent Activity Multiple derogatory accounts suddenly appeared on my credit reports across all three bureaus without any connection to my actual financial activity. At the same time, a large number of hard credit inquiries began showing up from auto lenders, banks, and credit-related companies on dates when I did not apply for any credit. I did not authorize these inquiries. 

These changes occurred rapidly and without any explanation, which is consistent with identity theft or the misuse of my information by unknown parties. Because none of these accounts or inquiries belong to me, I filed an FTC Identity Theft Report, followed by disputes with the credit reporting agencies. 

Despite these disputes, some furnishers continued reporting or improperly verifying accounts without providing any legal documentation showing that I am connected to the accounts. This has caused damage to my credit, financial opportunities, and peace of mind. 

XXXX. Derogatory Accounts I Do NOT Own Below is a detailed explanation of each fraudulent derogatory account : XXXX XXXX XXXX XXXX XXXX never opened an account with XXXX. I have never activated service, purchased a device, or entered into any contract with XXXXXXXX. They have not provided : A signed agreement A service contract Any identification used for account creation Proof of device activation This account is fraudulent. 

XXXX XXXX XXXX XXXX ( XXXX derogatory accounts ) XXXX is reporting XXXX medical-related derogatory collection accounts. I did not receive the XXXX XXXX they claim nor did I sign any medical admission paperwork. 

XXXX did not provide : A signed consent to treat A signed intake form ID matching documentation Billing statements Proof I was physically present for treatment Both accounts are fraudulent. 

XXXX XXXX XXXX This alleged collection account does not belong to me. I have no connection to the original creditor they claim to represent. They failed to provide : Any contract Itemized bills ID verification Proof of services This is fraudulent reporting. 

XXXX XXXX XXXX XXXX Funding is a debt buyer reporting a balance that I do not recognize at all. They did not provide : Original creditor documentation Chain of assignment Application or contract Identity verification The account is not mine. 

XXXX XXXX XXXX ( XXXX derogatory accounts ) XXXX is reporting XXXX separate collection accounts. I never entered into any agreement or received any services associated with XXXX. They failed to provide : Validation Contract Statements Proof of ownership Both accounts are fraudulent. 

XXXX  ( XXXX derogatory vehicle accounts ) XXXX is reporting derogatory accounts related to vehicles or auto loans. I have never financed a vehicle through XXXX, never applied for an auto loan with them, and never signed any documents they claim to have. 

They did not provide : A signed retail installment contract Proof of vehicle ownership XXXX origination documents Identity verification Both accounts are fraudulent. 

XXXX XXXX XXXX XXXX XXXX is reporting a major derogatory auto loan on my credit report. I did not finance a vehicle through XXXX and never signed any loan documents. The vehicle listed is not something I purchased, owned, or had possession of. 

XXXX has not provided : A signed contract Origination verification ID used at the dealership Proof I physically entered into the agreement This account is fraudulent. 

XXXX. Unauthorized XXXX  Credit Inquiries That Are NOT Mine My credit report shows XXXX unauthorized inquiries from companies I never contacted, never applied with, and never authorized to access my credit. These inquiries harm my score and are often connected to identity theft or unauthorized applications. 

The inquiries I did NOT authorize include : On XX/XX/XXXX XXXX  ( TransUnion ) XXXX ( Equifax ) On XX/XX/XXXXXXXX XXXX ( TransUnion ) XXXX XXXX XXXX ( Experian XXXX XXXXXXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX  XXXX ( Experian ) XXXX ( Equifax ) XXXX ( Equifax ) XXXX XX/XX/XXXX XXXX XXXX  XXXX TransUnion ) On XX/XX/XXXX XXXX XXXX XXXX ( Experian ) On XX/XX/XXXX XXXX ( Equifax ) On XX/XX/XXXX XXXX  ( TransUnion ) XXXX ( TransUnion ) XXXX XXXX XXXX XXXX  ( Experian XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( Experian ) XXXX ( Equifax ) XXXX XXXX Equifax ) XXXX XXXX XXXX ( Equifax ) XXXX did NOT apply for any loans, cars, credit cards, lines of credit, or financing on these dates. 

These inquiries were not made by me or with my consent. 

XXXX. What I Did As soon as I recognized that multiple fraudulent accounts and inquiries appeared on my credit reports, I took the following steps : Filed an FTC Identity Theft Report Disputed all fraudulent accounts with the bureaus Requested validation from each furnisher Documented all communications Requested investigations into each inquiry Despite these steps, many of these companies failed to provide validation or proof that the accounts or inquiries were connected to me. 

XXXX. Harm Suffered These fraudulent accounts and inquiries have caused significant harm, including : Loss of credit score points Difficulty obtaining legitimate credit Higher interest rates Denials of credit applications Emotional stress and financial disruption False negative information harming my creditworthiness I did nothing to cause these negative entries. 

XXXX. What I Am Asking the CFPB To Do I respectfully request the CFPB to : XXXX. Require ALL companies listed above to provide legally valid documentation, including : Signed contracts Applications Identity verification Proof of services Chain of title XXXX. Require ALL credit bureaus to perform a full, manual FCRA reinvestigation. 
XXXX. Remove ALL accounts and inquiries that can not be verified with original documentation. 
XXXX. Ensure identity theft procedures under FCRA 605B are followed.

XXXX. Prevent reinsertion without proper certification. 

The accounts and inquiries listed are not mine and were the result of identity theft or mixed-file reporting. I am asking for full assistance in having these items removed. 

Thank you for reviewing my complaint.

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