Consumer complaint received 2025-11-13 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:
Dear CFPB Reviewer, I am filing this formal complaint because my credit report contains multiple inaccurate collection accounts and unauthorized hard inquiries that I did not approve, authorize, or recognize. I have tried disputing these items with the credit bureaus, but they have failed to properly investigate or remove these errors, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Below are the specific items I am disputing : XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address I have never lived at, used, or been associated with this address at any point in my life. This is a clear reporting error. Please remove this address immediately as it may be the result of a mixed file or identity confusion. 
XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address I have no affiliation with this location, and the presence of this address on my report is inaccurate. This type of error can negatively impact the accuracy of my identity information. Please remove it. 
XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment is incorrect. I have reviewed my records and confirmed that I have never been late on this account. Please correct the payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment does not accurately reflect my payment behavior. I dispute this reporting and request correction as required by FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment I am disputing this because I never made a late payment. This is a clear factual error and must be corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$200.00} | Late Payment This late payment is incorrectly reported. I did not miss any payments, and this error is harming my credit standing. Please fix immediately. 
XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | XXXX XXXX This late payment is being reported in error. I dispute this completely and request accurate correction of the payment history. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | Late Payment This is an incorrect late payment entry. I upheld all my payments on time, and this reporting needs to be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$180.00} | Charge-Off I do not recognize this account and have never opened any account with Kikoff Lending. This must be removed for being inaccurate and unverifiable. 
XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$7300.00} | Charge-Off I have no connection to this account. I never financed or purchased a vehicle with XXXX XXXX XXXX. This account should be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX : {$780.00} | Charge-Off This is not my account, and I have no record of any relationship with XXXX. Since this information can not be verified as mine, it must be removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1100.00} | Collection I dispute this entire account. I have no knowledge of this debt, never opened or authorized any account related to XXXX XXXX, and have never received any billing or verification from them. This must be deleted as inaccurate and unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3200.00} | Collection This account is not mine, and I have no relationship with XXXX XXXX XXXX. I did not open this account, authorize it, or receive any validation. Under the FCRA, please delete this immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$260.00} | Collection I have no knowledge of this alleged debt and have never had any account that would be associated with Pro Collect. This is an incorrect reporting and must be removed from my credit file. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$720.00} | XXXX This account does not belong to me. I dispute this entire item because I never opened or authorized any account with XXXX XXXX. Please delete for being unverifiable. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not grant permission for this credit pull. This must be deleted as an unauthorized inquiry. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I never gave consent for XXXX to access my credit. Please remove this inquiry. 
XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not authorize this inquiry and dispute the legitimacy of this credit pull. 
XXXX XXXX XXXX Date : XX/XX/XXXX I did not apply for credit with XXXX XXXX. This inquiry is unauthorized and must be deleted. 
XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my permission. I dispute it and request removal. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I never applied or gave authorization for XXXX XXXX XXXX XXXX my credit file. Delete this inquiry. 
FCRA VIOLATIONS The credit bureaus have failed to : Properly reinvestigate disputed items Remove unverifiable collection accounts Delete unauthorized inquiries Maintain maximum possible accuracy of consumer information This violates FCRA 602, 607, and 611.

REQUESTED RESOLUTION I respectfully request that the CFPB assist in ensuring the credit bureaus : 1. Remove all inaccurate and unverifiable collection accounts 2. Delete all unauthorized hard inquiries 3. Provide a written explanation confirming the actions taken 4. Hold the credit bureaus accountable for failing to properly reinvestigate These inaccuracies are harming my creditworthiness and causing financial hardship.

Thank you for reviewing my complaint. I appreciate your assistance in resolving these issues.

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