Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
Experian, Equifax, TransUnion allowed a fraudulent account to be furnished on my credit report without my authorization or any valid permissible purpose. This account does not belong to me, yet it was reported and is showing as my obligation. Because of this inaccurate reporting, my XXXX XXXX has been harmed, Ive faced difficulty obtaining credit and stable housing, and Ive experienced significant stress while trying to dispute it. This reporting violates my consumer rights and must be corrected. The federal consumer rights that have been violated include be are not limited to, 15 U.S.C. 1681b & 1681b ( a ) ( 2 ) Experian may only furnish or allow access to a credit report for specific permissible purposes. Reporting a fraudulent account without your consent or a valid purpose violates this ; 15 U.S.C. 1681ae Experian can be held liable if they knowingly allow inaccurate information to be reported or fail to ensure accuracy after being notified ; 15 U.S.C. 1692b Limits communication about debts with third parties; reporting a false debt spreads false information ; 15 U.S.C. 1692j Prohibits furnishing forms or information that falsely appear valid or from another source to deceive ; 15 U.S.C. 1692d Prohibits actions that harass or abuse consumers ; a false debt on your report can be considered abusive ; 15 U.S.C. 1692e Prohibits false or misleading representations of a debt ; 15 U.S.C. 1692f Prohibits unfair or unconscionable means of collecting a debt.

Accounts that Experian, XXXX XXXX  allowed to be furnished on my credit that need to be removed include : Account name XXXX XXXX Account number XXXX Original XXXX Company sold- Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$25000.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
Balance {$3600.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$3600.00} Account name COMENITYBANK/WAYFAIR Account number XXXX Original XXXX Company sold- Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. 
Status updated XX/XX/XXXX Balance- Balance updated- Credit limit $ 570 Monthly payment- Last Payment Date XX/XX/XXXX Highest balance {$570.00} Account name XXXXC Account number XXXX Original XXXX Company sold- Account type Credit card Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance- Balance updated- Credit limit $ 700 Monthly payment- Last Payment Date XX/XX/XXXX Highest balance {$710.00} Account name XXXX XXXX Account XXXX XXXX Original XXXX Company sold- Account type Cell Phone Date opened XX/XX/XXXX Open/closed Closed Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2400.00} Balance updated XX/XX/XXXX Original balance {$2400.00} Monthly payment- Past due amount {$2400.00} Account name XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX XXXX Account XXXX Collection Date opened XXXX XXXX, XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Original balance {$1600.00} Monthly payment- Past due amount {$1600.00} Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX AR XXXX Company sold- Account type Collection Date opened XX/XX/XXXX Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2400.00} Balance updated XX/XX/XXXX Original balance {$2400.00} Monthly payment- Past due amount {$2400.00} Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX 
Company sold- Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$2900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2900.00} Monthly payment- Past due amount {$2900.00}

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