Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
XXXX ) Primary Product/Issue Selections ( choose these in the form ) Youll file one complaint and list multiple companies/respondents inside the same complaint. In the CFPB flow, when asked, add each company below with the indicated product and issue : A ) Specialty / Consumer Reporting Agencies XXXX XXXX XXXX Product : Credit reporting or consumer reports Issue : Improper use of your report / Report includes inaccurate information / Identity theft Problem summary : XXXX XXXX / XXXX and public-record screens contain mismatched identifiers and bankruptcy/derogatory summaries without competent evidence ( see narrative ). 

XXXX Product : Credit reporting or consumer reports Issue : Report includes inaccurate information / Identity theft XXXX  ( c/o XXXX  ) Product : Credit reporting or consumer reports Issue : Report includes inaccurate information / Identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking or savings account Issue : Incorrect information on your report / Identity theft or fraud Problem summary : Deposit-account databases show inaccurate/unsupported entries harming business-banking eligibility. 

XXXX XXXX ( Experian ), XXXX  ( TransUnion ), XXXX  XXXX, XXXX Product : Credit reporting or consumer reports ( alternative credit ) Issue : Report includes inaccurate information / Identity theft B ) Furnishers ( list each one in the Company step ) XXXX  ( unsecured installment ) Product : Loan Issue : Incorrect information on your report XXXX XXXX ( auto loan ) Product : Vehicle loan or lease Issue : Incorrect information on your report XXXX  ( mortgage ) Product : Mortgage Issue : Incorrect information on your report XXXX ( HELOC/secured line ) Product : Home equity line of credit Issue : Incorrect information on your report ( If the web form limits companies, submit one complaint for the bureaus/specialty CRAs and a second for the furnishers. ) 3 ) Main Narrative ( paste into What happened? ) Summary : I am disputing inaccurate, incomplete, and identity-theftrelated information in my consumer/specialty reports that is harming my ability to open/maintain bank accounts and qualify for personal and business credit. I provided disputes and documentation to multiple consumer reporting agencies and furnishers, but I continue to receive responses that do not include competent evidence ( itemized ledgers, application consents, or first-party court records ). I also see cross-bureau inconsistencies, improper late/status coding, and banking-file errors. I have an FTC Identity-Theft Report ( XXXX ) and police case ( XXXX ) on file. 

Identity-theft / mixed-file indicators : Conflicting addresses/names and mismatched identifiers appear across specialty CRAs ( XXXX XXXX, XXXX ) and bank databases ( XXXX  ). Under FCRA 605A, 605B, 607 ( b ), 611, I requested blocks and reinvestigations with Method of Verification ( MOV ). I did not receive the underlying documents ( applications with timestamp/IP, ledgers, or precise data sources ). 

Banking databases ( XXXX ) : Entries are vague or unsupported ( no account agreements, closure notices, or return-item ledgers ). These files are causing automatic denials for business banking. I requested XXXX  ( bank name & member code, DOFD, internal notes ). If the reporting bank can not produce first-party evidence, these items must be deleted. 

XXXX / public-record screens ( XXXX ) : My file shows public-record/derogatory summaries and identity mismatches without copies of the first-party source documents. I asked for the exact source references and timestamps ; instead I received generic summaries. 

Furnisher-level tradeline defects ( cross-bureau conflicts & late-coding ) : XXXX  ( Installment/Unsecured ) XXXX XXXX  XXXX conflicts : Opened XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ) ; Terms XXXX ( XXXX  ) vs XXXX ( XXXX ) ; Last Reported XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ). XXXX shows Unpaid balance reported as a loss and XXXX  XXXX remarks with {$0.00} balance and XXXX XXXX XXXX status. Late/CO strings appear without full monthly ledgers. 

XXXX XXXX ( Auto ) XXXX XXXX XXXX conflicts : Terms XXXX ( XXXX  ) vs XXXX ( XXXX  ) ; opened XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ) ; Last Reported XX/XX/XXXX ( XXXX  ) vs XX/XX/XXXX ( XXXX  ). XXXX shows intermittent XXXX lates interspersed with OK monthsledger not provided. 

XXXX ( Mortgage ) XXXX  shows extended XXXX late strings and partial payment agreement remark ; XXXX remarking differs. Ledger/forbearance/plan treatment not provided. 

XXXX ( HELOC ) High credit mismatch : {$120000.00} ( XXXX ) vs {$100000.00} ( XXXX  ) ; credit limit {$100000.00} both ; XXXX also reports Foreclosure proceeding started alongside bankruptcy coding and {$0.00} balance. No default/acceleration notices or foreclosure filings were produced. 

Bankruptcy reporting ( public record ) : A XXXX  XXXX filing dated XX/XX/XXXX ( Ref # XXXX ) appears in consumer-facing reports and/or downstream risk products without the bureau identifying the exact source ( court docket/XXXX vendor ) and providing the documents relied upon. If the CRA can not tie the record to my identity with first-party court documentation, it should be deleted and downstream users notified. If any deletion was reinserted, I did not receive the 611 ( a ) ( 5 ) ( B ) 5-day notice and certification. 

Harm : Inaccurate specialty and credit-file data have caused or risk causing denied/closed bank accounts, higher premiums/denials, and credit adverse actions, including for business credit where these databases are heavily weighted.

Company response to consumer: Closed with explanation