Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies and the data furnishers for reporting inaccurate, unverifiable, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes, the accounts below continue to be reported without proper verification, without documentation, and without compliance with federal law. 
XXXX XXXX Acct : XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Status : Charge Off I am disputing this account because I have no recollection, no contract, no signed application, no proof of ownership, and no verification linking me to this alleged debt. This account is being reported in violation of FCRA 1681e ( b ) for failing to maintain maximum possible accuracy. Additionally, under FCRA 609 ( a ) ( 1 ) you are required to provide me with complete verification of this account, including all signed legal documents, itemized statements, and full payment history. No documentation has ever been provided to me. Reporting a charge-off without validating ownership is an unlawful act of inaccurate reporting, and therefore I am demanding immediate deletion due to unverifiable information. This account is causing material harm to my credit profile and is legally required to be removed. 
XXXX Acct : XXXX High Balance : {$900.00} Date Opened : XX/XX/XXXX Status : Charge Off I dispute this account on the grounds of lack of verification, lack of permissible purpose, and failure to confirm my identity associated with this alleged debt. I have never received any proof, never received billing statements, never signed any contract, and no collector or creditor has ever validated this account when requested. Under FCRA 611, you are required to reinvestigate and delete information that can not be proven. Under FCRA 602 ( A ) and 1681 ( c ), consumer reporting agencies must ensure accurate, reliable information only. This account fails every accuracy requirement, contains incomplete data, and is being reported without the proper documentation required under federal law. Until you can provide full documentation proving this account is mine, including original signed application, account statements, payment history, and creditor verification, you are legally obligated to delete this account immediately.

Legal Violations I believe the credit bureaus and furnishers have violated multiple sections of the FCRA, including but not limited to : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) Failure to reinvestigate disputed information FCRA 609 ( a ) ( 1 ) Failure to provide documentation used to verify the account FCRA 1681i Failure to correct or delete incomplete or inaccurate information FCRA 602 ( A ) Failure to maintain fair and accurate credit reporting procedures These accounts remain on my report without any legally required verification, causing financial damage, lowered credit score, and credit denials.

Requested Action I respectfully request that the CFPB : 1. Investigate the credit bureaus and data furnishers.

2. Require them to provide full verification, including signed applications, account histories, and contracts.

3. Delete the accounts immediately if they can not provide 100 % verifiable documentation.

4. Ensure all furnishers follow federal law moving forward.

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