Consumer complaint received 2025-09-18 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX - Date Opened : XX/XX/XXXX - {$7600.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$5900.00}, XXXX  XXXX - Date Opened : XX/XX/XXXX - {$7500.00}, XXXX  XXXX - Date Opened : XX/XX/XXXX - {$5800.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$3600.00}, XXXX - Date Opened : XX/XX/XXXX - {$2800.00}, XXXX XXXX - Date Opened : XXXX XXXX - {$7700.00}, XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$5900.00}, XXXX XXXX - Date Opened : XXXX {$5900.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$7500.00}, XXXX XXXX - Date XXXX - {$7700.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$3600.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$2800.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$5800.00}, XXXX XXXX - Date Opened : XX/XX/XXXX - {$7600.00}, XXXX Date Opened : XX/XX/XXXX - {$5900.00}, XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$7600.00}, XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$5900.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX - {$7400.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX - {$5800.00}, XXXX XXXX XXXXXXXX XXXX - XXXX Opened : XX/XX/XXXX - {$7700.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX - {$2800.00}, XXXX XXXX XXXXXXXX XXXX - XXXX Opened XXXX XX/XX/XXXX - {$3600.00} ; fraudulent inquiries off of my report XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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