Consumer complaint received 2025-12-08 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:
I am submitting this complaint because multiple items are being reported inaccurately on my credit reports by ExperianXXXX XXXX XXXX XXXX XXXXn violation of the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 609, and 611. The following accounts and inquiries are completely incorrect, unverified, and not mine. These inaccurate items are harming my credit, affecting my financial stability, and causing emotional and financial distress. I have disputed these items with the credit bureaus, but the information continues to be reported without proper verification. I am requesting immediate investigation and enforcement action. 
WRONG ADDRESSES ( Remove Immediately Under FCRA 607 ( b ) ) XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX Issue : Wrong Address. I have never lived here nor used this address on any application. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Wrong Address. Not associated with me in any way. 
ACCOUNTS BEING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$220000.00} | Late Payment * * Issue : Late payment reporting is incorrect because I did not make any late payments. This information is inaccurate, damaging, and unverifiable. I demand correction of payment history under FCRA 607 ( b ) and 611. 
XXXX XXXX XXXXXXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : I have no knowledge of this account. No validation, no contract, no proof of ownership was ever provided. Reporting it as a charge-off violates FCRA accuracy standards. Requesting full deletion. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Unknown account. I never opened or authorized this account. No verifiable documentation exists. Must be deleted under FCRA XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : I dispute this account because I have no knowledge of it. It appears fraudulent or misreported. Remove immediately. 
XXXX XXXX XXXX * | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Incorrect and unverifiable account. I never had this loan. XXXX is inaccurate and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$14000.00} | Late Payment * * Issue : The late payment reporting is false. I did not make late payments. This violates FCRA XXXX ( b ) which requires maximum possible accuracy. Correct the history immediately. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Collection * * Issue : Duplicate, unverified, and unknown account. No documentation or contract. This violates FCRA XXXX ( b ). Must be removed. 
XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$3900.00} | Collection * * Issue : I dispute this entire account. I never opened or acknowledged this debt. No validation provided. Must be deleted for accuracy and compliance. 
INQUIRIES HARD PULLS WITHOUT PERMISSION ( Remove Under FCRA XXXX ) These inquiries were done without my authorization, and I never applied for credit with these entities on these dates. They must be removed immediately because they were not permissible purpose inquiries. 
XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry. Not initiated by me. 
REQUEST FOR ACTION I am requesting that the CFPB : Investigate these inaccurate and unverified accounts Enforce FCRA 607 ( b ) requiring maximum possible accuracy Require the credit bureaus to delete all false accounts and unauthorized inquiries Ensure that all furnishers provide real documentation or remove the items Protect my consumer rights and prevent further harm

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