Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
I am submitting this complaint because multiple items are being inaccurately reported on my credit file, and the credit bureaus have failed to properly investigate or verify the information according to the Fair Credit Reporting Act ( FCRA ). I am the original consumer, and I am disputing the following accounts and inquiries, which are either incorrect, fraudulent, unverifiable, or falsely reporting negative information. 
I am requesting the CFPB to intervene and ensure the furnisher and credit bureaus complete a lawful reinvestigation and remove all inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX ( XXXX format : XX/XX/XXXX ) Balance : {$0.00} Late Payment * * This account is reporting an incorrect late payment. I have never submitted late payments for this account, nor have I ever been notified of any delinquency. With a {$0.00} balance, the late payment mark is factually impossible and reflects inaccurate reporting. Please correct the payment history immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00} Late Payment * * This late payment notation is completely false. I consistently maintained proper payment activity and was never delinquent on this account. The inaccurate late marking is harming my creditworthiness and violates FCRA requirements for 100 % accuracy. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9400.00} Charge Off * * This charge-off is reporting inaccurately. I have no record of being notified of any charge-off, and I dispute the validity and ownership of this alleged debt. Without proper verification, this account must be deleted entirely from my report. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Charge Off * * This item is inaccurately reporting as a charge-off. I dispute owing the amount, and I dispute the validity of this account. This trade line must be removed unless the furnisher provides full validation. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Charge Off * * This is another inaccurate charge-off being reported under my file. I have no knowledge of this debt and dispute its legitimacy. Without proper verification supporting this reporting, it must be deleted from my consumer file. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charge Off * * I dispute the accuracy and ownership of this debt. This charge-off is reporting without proper documentation or verification. I request a full reinvestigation and deletion if XXXX can not provide original account records. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2800.00} Late Payment * * This late payment notation is false. I was never notified of any delinquency and dispute its accuracy. The furnisher must provide proof of lateness or remove the negative mark. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$82000.00} Late Payment * * This late payment is inaccurately reported. I dispute the validity entirely because I have no documented late activity. Please update the account to reflect an accurate on-time payment history. 
Hard Inquiries XXXX XXXX XX/XX/XXXX Inquiry This is an unauthorized inquiry. I had no dealings with XXXX XXXX on this date. Remove this item immediately. 
Summary of Violations The following FCRA violations apply : FCRA 602 Failure to maintain fairness, accuracy, and confidentiality FCRA 607 ( b ) Reporting information that is not complete or accurate FCRA 609 ( a ) Failure to provide verification and disclosures FCRA 611 ( a ) Failure to reinvestigate disputed information FCRA 604 Unauthorized inquiries without permissible purpose Despite my disputes, the credit bureaus continue reporting these inaccurate items without providing validation or documentation. These actions are causing harm to my creditworthiness and preventing me from obtaining financial opportunities. 
Requested Resolution ( Fair Resolution ) I request the CFPB to require the credit bureaus and furnishers to : 1. Complete a lawful reinvestigation according to FCRA.

2. Delete all inaccurate, unverifiable, unauthorized, or fraudulent accounts.

3. Remove all unauthorized hard inquiries.

4. Provide written confirmation of corrections made to my credit file.

I am asking for CFPB intervention because the credit bureaus have not complied with the law or my previous disputes.

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