Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am submitting this formal complaint regarding several inaccurate and misleading accounts currently being reported on my credit file by multiple furnishers. These inaccuracies have caused significant harm to my credit profile, and I am requesting immediate investigation and corrective action. 

Below are the disputed accounts and their respective issues : Late Payment Accounts ( Inaccurate Payment History ) These accounts are being inaccurately reported as having late payments. I have never made any late payments to these creditors, and the derogatory reporting is completely false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These creditors have reported false delinquencies, which are damaging my credit reputation. I demand that all late payment notations for these accounts be removed immediately and the payment history corrected to reflect an accurate on-time record. 

Charge-Off / Collection Accounts ( No Knowledge of These Accounts ) The following accounts are being reported as charge-offs or collections. I have no knowledge of these accounts, and I never authorized or opened them. These accounts appear to be either erroneously reported or fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charge-off listings are inaccurate and unverified. I have never had any financial relationship or correspondence with these entities that would justify such reporting. In compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be deleted entirely from my credit reports across all credit bureaus unless the furnishers can provide full, verifiable proof of ownership, authorization, and signed documentation. 

Requested Action I am requesting that the CFPB : Conduct a full investigation into these accounts and reporting furnishers. 

Require the creditors to provide verified documentation of all alleged debts and late payments. 

Instruct the furnishers and credit reporting agencies to immediately delete or correct any unverifiable or inaccurate information. 

I have attached my identification and recent credit report excerpts highlighting the disputed items for reference. 

Thank you for your attention to this matter. I expect a thorough and timely response consistent with federal consumer protection laws.

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