Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because multiple companies and credit bureaus have reported inaccurate, unauthorized, duplicated, and unverifiable information on my credit reports. These accounts and inquiries do not belong to me, are reporting wrong balances, and have severely damaged my credit standing. I am requesting CFPBs intervention to investigate, enforce compliance, and require correction or deletion of all inaccurate entries under the Fair Credit Reporting Act ( FCRA ), including 602, 604, 607 ( b ), 609, 611, and 623. 
Below are the disputed items : XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address does not belong to me, I have never lived here, used it, or been associated with this location. Reporting this address is a mixed-file violation and creates false association. Delete immediately under FCRA XXXX ( b ) for accuracy failure. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX WRONG ADDRESS I have no military connection and have never lived at XXXX XXXX XXXX This is clear evidence of file contamination. Remove immediately. 
ACCOUNT DISPUTES XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$24000.00} * This account is not mine. I request complete validation. If you can not produce signed documents with my personal information, delete it under FCRA XXXX. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$750.00} * * I have no knowledge of this account. The reporting is inaccurate, outdated, and unverifiable. Provide full validation or delete. 
XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$480.00} * * This is not my account. I never made any late payments, never opened this line, and it must be deleted for inaccuracy. 
XXXXXXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} * * This account is wrongly reporting a charge-off, even though the balance is {$0.00}. This is a knowingly inaccurate reporting and violates FCRA XXXX ( b ). Remove the entire account. 
XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$310.00} * * This late payment reporting is false. I never missed any payment. Correct the payment history to Paid On XXXX Never XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * The late payment is incorrect. I maintained on-time payments during the entire period. Correct the history. 
XXXX XXXX XXXX XXXX XXXX XXXXate Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * This late payment is wrong. I never made any late payments. Please correct immediately under FCRA XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXate Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Duplicate late payment reporting. This is inaccurate. Correct to never late. 
XXXX XXXX XXXXXXXX XXXX   Charge Off Date Opened : XX/XX/XXXX Balance : {$1300.00} * * I do not recognize this account. Provide validation or delete for failure to verify. 
XXXX XXXXXXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$1700.00} * * I never opened this account. This is fraudulent or mixed-file information. Delete immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXollection Date Opened : XX/XX/XXXX Balance : {$1300.00} * * I have no knowledge of this account. I never opened or authorized it. This reporting is inaccurate and unverifiable. Delete immediately under FCRA XXXX. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$740.00} * * This debt is not mine and appears to be a recycled or purchased account with no verified documentation. Provide full validation or delete. 
XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$910.00} * * I do not recognize this account. XXXX is reporting duplicate and unverifiable items. Remove for failure to validate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXent Date Opened : XX/XX/XXXX Balance : {$0.00} The late payment is false. I never made any late payments on this account and request correction to Never XXXX. 
XXXX XXXX XXXXXXXX XXXX  Collection Date Opened : XX/XX/XXXX Balance : {$1900.00} * * I have no knowledge of this Portfolio account. This is inaccurate and unverifiable. Remove immediately. 
HARD INQUIRY DISPUTES ( You did NOT authorize remove immediately ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry. Remove for unauthorized access under FCRA XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX This inquiry was not authorized by me. Delete immediately. 
XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) Duplicate unauthorized inquiry. Must be removed under FCRA XXXX ( b ). 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not give permission for this company to pull my credit. Remove immediately. 
XXXX XXXX XX/XX/XXXX XXXX This was never authorized. Must be deleted for lack of permissible purpose. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Repeated inquiry without permission. Remove for unauthorized access. 
SUMMARY OF ISSUES The problems include : Accounts that do not belong to me Duplicated collection accounts Charge-offs reporting incorrect balances Unauthorized hard inquiries Failure to verify accounts when disputed Violations of FCRA XXXX, XXXX ( b ), XXXX, XXXX, and XXXX These errors are causing major financial harm, denial of credit, and emotional distress. I am requesting CFPB to force the credit bureaus and data furnishers to : XXXX. Provide complete validation for every reported account XXXX. Remove all unverifiable, inaccurate, or duplicate items XXXX. Delete all unauthorized inquiries XXXX. Correct late payment histories that are reporting inaccurately XXXX. Ensure compliance with federal consumer protection laws REQUEST FOR CFPB XXXX I am requesting that CFPB : Open a formal investigation Contact the data furnishers and credit bureaus Demand documentation proving the accuracy of each account Require immediate correction or deletion of all reporting errors Enforce penalties for repeated FCRA violations Thank you for your assistance. I am submitting all supporting documents with this complaint.

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