Consumer complaint received 2025-11-21 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:
This is a formal complaint against multiple credit reporting agencies and debt collectors for reporting inaccurate, unverified, duplicate, and unauthorized information on my credit report. I am requesting the Consumer Financial Protection Bureau to investigate these violations under FCRA XXXX ( A ), XXXX, XXXX ( B ), XXXX, and FDCPA standards. The agencies and furnishers listed below are reporting false collections, wrong information, and unauthorized inquiries without any permissible purpose or proper validation. 
XXXXXXXX XXXX  XXXX, TX XXXX This address is not mine and I have never lived here. Including this on my credit file is causing a mixed identity situation and violates FCRA XXXX ( B ). Please delete immediately because leaving this address on my file continues to create false account associations that are damaging my credit. 
XXXX XXXX XXXX XXXX, TX XXXX I do not know this address and have never stayed at this location. It is incorrectly linked to me and is contributing to wrongful account reporting. I demand full deletion as it is not part of my personal identifying information. 
Account Disputes More Detailed Content Added XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$550.00} | Charge-Off This account is completely unfamiliar. I never entered any financial relationship with XXXX XXXX. No verified documents, statements, or original agreement were ever provided to me. This account is being falsely attributed to me and violates FCRA XXXX as there is no evidence tying me to this debt. I dispute ownership and demand complete deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment The late payment reporting is false because I never made late payments with any account from this lender. The payment history is inaccurate and does not match any record I have. This reporting is harming my credit score unlawfully and needs to be corrected immediately to reflect on-time payment or removed entirely if validation can not be produced. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$490.00} | Charge-Off I have no knowledge of this loan or account. I never opened any credit line with this company. This is either fraud or a mixed-file mistake. If you can not provide the original signed application and complete payment history, you are legally required to delete this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment The late payment history is false. I did not make any late payments because I never had an account with this creditor. Reporting a late payment for an account that is not mine is a violation of FCRA XXXX ( B ). Correct this information immediately or delete the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$980.00} | Collection I never opened any account with this company and I dispute this collection in full. There is no paperwork or contract tying me to this debt. This collection is inaccurate and must be deleted for failure to provide validation under the FDCPA and FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$630.00} | Collection This alleged debt is unverified, unknown, and not associated with me. XXXX has failed multiple times to provide validation for accounts they claim. Without proof from the original creditor, this collection must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$460.00} | Collection I dispute this account entirely. This collection is not mine. I never received any original creditor details, statements, or application documents. Delete this account immediately due to lack of verification. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$450.00} | Collection This account has no connection to me. XXXX is reporting inaccurate information and has not provided any validation. There is no contract signed by me. This item must be removed as it violates FCRA guidelines. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$590.00} | Collection This collection is not mine. I have never been contacted by this company before it appeared on my credit file. No validation, no details, and no original creditor information have ever been supplied. I dispute this debt in full. Delete immediately for failure to validate under FDCPA and FCRA guidelines. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$730.00} | Collection I have no connection with this alleged debt, and XXXX XXXX can not verify any relationship between me and the original creditor. There is no signed agreement or proof that I owe this amount. This is inaccurate reporting and harmful to my credit. Since it can not be proven, it must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Collection This is reporting as a collection with a balance of {$0.00}, which is already incorrect and misleading. I never had any account with this company. This false and unverified entry must be deleted immediately due to lack of validation and inaccurate reporting under FCRA XXXX ( B ). 
XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$520.00} | Late Payment This late payment reporting is inaccurate. I never paid late because I never opened any account with this lender. There is no proof tying me to this account. The history is false and damaging my credit unlawfully. Correct or remove immediately per FCRA XXXX. 
XXXX XXXXXXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$340.00} | Late Payment I dispute this late payment because I have no record of ever having a Deferit account. No statements, terms, or documents have ever been provided. The late payment status is completely false and must be corrected or deleted immediately due to lack of verification. 
XXXX XXXX XXXXXXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$690.00} | Collection This appears to be a duplicate or re-reported account, which is illegal without proper notice. I have no knowledge of this account and XXXX has failed to provide any verification. This inaccurate duplicate collection must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$920.00} | Collection I fully dispute this account because I have no knowledge of it and XXXX has never provided any original creditor paperwork. I never received a contract, billing statements, or proof linking me to this debt. This appears to be an unverified, possibly purchased debt with no legal documentation. Under FCRA XXXX and FDCPA validation requirements, this account can not remain unless verified with original application, complete payment history, and authentic creditor records. Delete immediately due to lack of proof. 
HARD INQUIRY DISPUTES Unauthorized, No Permission, No Application Filed XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX This inquiry is unauthorized because I never submitted an application with this company on this date. I did not grant permission for my credit to be accessed. This is inaccurate reporting and must be removed immediately under FCRA rules regarding unauthorized inquiries. 
XXXX XXXX | Inquiry Date : XX/XX/XXXX I never applied for any credit card or loan from XXXX XXXX on this date. This hard inquiry is unauthorized and damaging my credit score. I dispute it and demand immediate removal under FCRA XXXX ( a ) for lack of permissible purpose. 
XXXX | Inquiry Date : XX/XX/XXXX I did not authorize XXXX to access my credit and I did not apply for anything on this date. This is an unauthorized hard inquiry and violates FCRA permissible purpose laws. Please delete immediately. 
XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX This is another unauthorized inquiry by the same company. I did not apply, request, or submit any permission for credit access. Duplicate unauthorized hard pulls create inaccurate reporting and must be removed immediately. 
These items are harming my credit, lowering my score, and violating my consumer rights. None of these collection accounts have been validated with original signed agreements, billing statements, or itemized proof. All inquiries listed above were done without my consent and violate FCRA XXXX for permissible purpose. The credit bureaus have failed to conduct proper reinvestigation under FCRA XXXX. 
I am requesting the CFPB to investigate these companies, remove these inaccurate and unauthorized items from my credit report, and ensure full compliance with federal law. Please provide confirmation and results of the investigation.

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