Consumer complaint received 2025-12-16 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 discovered this issue after reviewing my credit reports and noticing multiple collection and charge-off tradelines that I did not recognize. I had no prior knowledge of these accounts, did not open them, and did not authorize any XXXX  XXXX  to open or use accounts on my behalf. The presence of numerous collection accounts immediately raised concerns of identity theft. 

I do not recognize the origin of these alleged debts and have never received goods, services, or benefits related to them. 

Collection / Charge-Off Accounts Being Disputed ( Not Mine ) The following collection and charge-off accounts are being disputed because I do not own them and did not authorize them : XXXX Collection / Charge-Off XXXX XXXX  Collection / Charge-Off ( Past due balance reported ) XXXX XXXX XXXX Multiple collection accounts Balance reported : {$470.00} Balance reported : {$1100.00} Balance reported : {$1200.00} XXXX XXXX XXXX/ XXXX  Collection / Charge-Off ( {$1500.00} ) XXXX XXXX  Collection / Charge-Off ( {$760.00} ) XXXX  XXXX  ( XXXX XXXX ) Collection / Charge-Off ( {$400.00} ) XXXX XXXX XXXXXXXX/ XXXX  XXXX  related Collection / Charge-Off ( {$270.00} ) XXXX XXXX XXXXXXXX Collection XXXX Charge-Off ( {$1000.00} ) Each of these accounts is not mine, and I dispute ownership in full. 

Actions I Took Immediately Upon identifying these fraudulent collection accounts, I acted promptly and responsibly : I reviewed my credit reports from all three consumer reporting agencies. 

I identified all unfamiliar collection and charge-off accounts. 

I disputed these accounts as inaccurate and fraudulent. 

I filed an FTC Identity Theft Report, declaring under penalty of perjury that I do not own these accounts. 

I began notifying the appropriate parties that these accounts are the result of identity theft. 

The FTC Identity Theft Report is a legally recognized document intended to protect consumers from continued harm caused by fraudulent accounts. 

I Do Not Own These Collection Accounts To be absolutely clear : I did not open these collection accounts I did not authorize these collection accounts I did not sign agreements related to these collection accounts I did not receive goods or services tied to these collection accounts I did not benefit from these collection accounts Any reporting that suggests otherwise is inaccurate. 

Continued Reporting Despite Identity Theft Documentation Even after filing my FTC Identity Theft Report, these collection and charge-off accounts remain on my credit reports. This continued reporting has caused : Damage to my credit scores Difficulty obtaining credit Increased financial scrutiny Emotional distress Significant time spent disputing accounts that are not mine Identity theft victims should not be forced to repeatedly dispute the same fraudulent collection accounts after providing official documentation. 

Nature of This Dispute This dispute is not about late payments, closed accounts, balances, or settlements. I am not disputing payment history on accounts I own. 

This dispute is solely about collection and charge-off accounts that do not belong to me. When accounts are fraudulent, the appropriate resolution is deletion, not continued reporting with dispute notations. 

Why I Am Seeking CFPB Assistance I am submitting this complaint to the CFPB because prior disputes and identity theft documentation have not resulted in the removal of these fraudulent collection accounts. I am seeking regulatory oversight to ensure that my rights as a consumer and identity theft victim are respected. 

I should not have to continue disputing the same fraudulent collection accounts repeatedly. 

Summary To summarize : Multiple collection and charge-off accounts are appearing on my credit reports. 

I do not own these accounts and did not authorize them. 

I filed an FTC Identity Theft Report confirming the accounts are fraudulent. 

Despite this, the collection accounts continue to be reported. 

The continued reporting is inaccurate and harmful. 

I am requesting CFPB assistance to correct my credit file. 

This situation has caused unnecessary financial harm and emotional stress. I am requesting that my credit reports accurately reflect my true financial XXXX  collection or charge-off accounts that do not belong to me.

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