Consumer complaint received 2025-01-15 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 writing to file a formal complaint regarding multiple inaccuracies and fraudulent accounts on my consumer credit reports that have significantly impacted my financial standing and creditworthiness. The following accounts are either fraudulent, improperly reported, or violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal consumer protection laws. 

The Inaccurate or Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie Legal Basis for This Complaint : FCRA Violations : These accounts may have been reported inaccurately or without proper verification, violating 611 and 623 of the FCRA.

The inaccurate information has resulted in false hard inquiries, charge-offs, and negative items, all of which harm my credit score and reputation. 
FDCPA Violations : The collection practices by creditors and debt collection agencies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have been misleading, harassing, and conducted without proper validation of the debts as required under 809 of the FDCPA.

Bankruptcy Reporting : The inclusion of XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX violates 605 of the FCRA if the bankruptcy information is outdated or reported inaccurately.

Action Requested : I demand the following actions : Immediate investigation into all the accounts listed above.

Removal of all inaccurate, unverifiable, or fraudulent items from my consumer credit reports with all three credit bureaus ( XXXX, Experian, and XXXX ). 
Cease all collection activity related to the accounts under the FDCPA until these items are properly validated. 
Provide me with a detailed response outlining the results of the investigation and corrective actions taken. 
The ongoing presence of these accounts on my credit reports has caused me significant financial and emotional distress. I trust the CFPB will intervene to uphold my rights and ensure that creditors and credit reporting agencies comply with federal laws. 

Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX for further details or documentation.

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