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: CA

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXX XXXX, Equifax, and TransUnion are continuing to report information that is demonstrably unverified, inaccurate, and legally prohibited from remaining on my credit reports. I am demanding the immediate removal of the XXXX and XXXX accounts from all credit bureaus pursuant to multiple provisions of the Fair Credit Reporting Act ( FCRA ), because both tradelines have failed verification and can not legally remain on my file for even XXXX more day. 

XXXX. XXXX MUST BE IMMEDIATELY REMOVED NO SIGNED APPLICATION, NO PROOF, TIME-BARRED DEBT. 
XXXX XXXX  has formally admitted that : There is no signed application, The alleged account was opened online without any executed agreement, The debt is time-barred, XXXX will not sue because it can not legally enforce it. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows, or has reason to know, is inaccurate. A debt with no signed contract and no verifiable authorization is, by definition, unverified information. Under 1681s-2 ( b ), XXXX is required to cease reporting information it can not substantiate. Under 1681i ( a ) ( 5 ) ( A ), the bureaus must delete any information that can not be verified, and they must do so immediately. The continued reporting of this account is an intentional violation of federal law. XXXX has no documentary basis to claim I opened this account therefore, the account must be deleted immediately from Equifax, TransUnion, Experian, and XXXX. 

XXXX. XXXX XXXX  MUST BE IMMEDIATELY REMOVED EXPERIAN ALREADY DELETED DUE TO FAILED VERIFICATION. 
Experian has already removed the XXXX XXXX  tradeline from my file because XXXX could not verify its accuracy or ownership. This is proof that the furnisher can not validate the account. Under 1681i ( a ) ( 5 ) ( A ), once a furnisher fails verification, all credit bureaus must delete the same item. Equifax and TransUnion are now knowingly reporting unverified information, in violation of 1681e ( b ) ( maximum possible accuracy ). A tradeline that has already failed verification at XXXX bureau can not legally remain on others. XXXX XXXX  has not produced a single document supporting the existence or accuracy of this account ; therefore, it must be deleted immediately from Equifax and TransUnion. 

XXXX. IMMEDIATE REMOVAL REQUIRED BY LAW NO DELAYS PERMITTED. 
Federal law mandates prompt deletion under the following sections : 1681i ( a ) ( 5 ) ( A ) unverifiable information must be deleted promptly, no extensions.

1681e ( b ) bureaus must ensure maximum possible accuracy ; unverifiable data violates this instantly.

623 ( b ) furnishers must correct or delete inaccurate information immediately upon discovering it can not be verified.

611 ( a ) reinvestigation must result in verification OR deletion ; if verification fails, deletion is mandatory.

1681n and 1681o willful or negligent failure to comply entitles me to damages. 

Every required condition for mandatory, immediate deletion has already been met. Neither XXXX nor XXXX can verify their accounts, and therefore they can not legally appear on my credit reports. Any further delay violates XXXX  law. 

XXXX. DEMAND FOR IMMEDIATE ACTION. 
I demand that the CFPB enforce the FCRA and require : XXXX. Immediate deletion of the XXXX XXXX  tradeline from all credit bureaus due to lack of a signed authorization, lack of verification, and a time-barred, unenforceable status ; XXXX. Immediate deletion of the XXXX Bank tradeline from Equifax and TransUnion, consistent with Experians deletion after failing verification ; XXXX. Written confirmation from all bureaus that these accounts have been permanently removed ; XXXX. Compliance review of XXXX and XXXX XXXX for reporting unverifiable information ; XXXX. Enforcement review of Equifax and TransUnion for continuing to report information they know is unverified and inaccurate. 

XXXX. HARM CAUSED. 
These illegal tradelines artificially suppress my credit score by XXXX  of points. Based on my actual verified credit history, lack of true delinquencies, and proven removal of unverified items by Experian, my XXXX score should be in the XXXX range. Every day these unverified accounts remain on my reports is a continued FCRA violation and ongoing harm. 

I request immediate corrective action. There is no lawful basis for these accounts to remain on my file for even XXXX more day. 

Respectfully submitted, XXXX XXXX

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