Consumer complaint received 2025-11-12 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 Representative, I am filing this complaint because several inaccurate and unauthorized items are appearing on my credit report. Despite my prior disputes with the credit bureaus, these accounts and inquiries continue to be reported without proper verification or documentation. 
I respectfully request that the CFPB review these matters and ensure a proper investigation is conducted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Disputed Accounts XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reason for Dispute : This account is reporting a late payment, which is incorrect. I have never made any late payments on this account, and it should reflect a perfect payment history. Please correct the reporting immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$69.00} Reason for Dispute : This account is showing as a charge-off, but I have no record or knowledge of this being charged off. Please verify the accounts accuracy or delete it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Reason for Dispute : This account is being reported as charged off, which is not accurate. I have no knowledge of such status and request full verification or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Reason for Dispute : This account is reporting as charged off. I have no knowledge of any delinquency or charge-off on this account. Please verify all information or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5200.00} Reason for Dispute : Incorrect charge-off reporting. I do not recognize this entry; please verify with supporting documentation or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Reason for Dispute : This account is incorrectly marked as charged off. I have no record of this status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Reason for Dispute : Reporting a late payment, which is inaccurate. I made all payments on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Reason for Dispute : Charge-off status is incorrect and unverified. Please delete or correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Reason for Dispute : Account incorrectly shows a late payment. I request correction to reflect accurate on-time payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Reason for Dispute : This account is being reported as charged off, which I do not recognize. Please verify its legitimacy or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Reason for Dispute : This account incorrectly shows a late payment. I have always paid on time. Please update to reflect accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reason for Dispute : The late payment status is inaccurate. This account should show a clean payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4900.00} Reason for Dispute : This account is showing as charged off, which is untrue. I have no record of this being charged off and request full verification or deletion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reason for Dispute : This account incorrectly reports a late payment. I always made my payments on time. Please correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Reason for Dispute : This account is listed as charged off. I have no knowledge of such a status or delinquency. Please verify or delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Reason for Dispute : This collection account is unknown to me. I have no record or agreement with this company. Please delete if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Reason for Dispute : This collection account is not mine. I have no knowledge or record of it. Please verify with supporting documentation or remove from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$810.00} Reason for Dispute : This collection account is unknown to me. I have never had any business or financial relationship with this company. Please delete if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Reason for Dispute : Reporting as collection, but I have no record of this debt. Please provide complete validation or remove. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Reason for Dispute : I do not recognize this collection account. Please provide verification or delete the record. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Reason for Dispute : This collection account is being reported incorrectly. I have no knowledge of it. Please verify or delete immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Reason for Dispute : I do not recognize this collection entry. Please conduct a full investigation and remove if unverified. 
Unauthorized or Incorrect Inquiries XXXX XXXX XXXX on XX/XX/XXXX Reason for Dispute : This is an unauthorized inquiry. Please delete from my credit file. 
XXXX XXXX Inquiry on XX/XX/XXXX Reason for Dispute : I did not apply for credit or authorize this inquiry. Please delete immediately. 
Requested Action I am requesting the CFPB to : Ensure that the credit bureaus ( Experian, XXXX, and XXXX  ) conduct a full and proper investigation. 
Require the furnishers ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others ) to provide proper validation or remove the accounts entirely. 
Remove all unauthorized credit inquiries from my file. 
Confirm compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act regarding the verification and reporting process. 
Attachments Copy of my government-issued ID Proof of current address ( utility bill or statement ) Copy of my recent credit report highlighting disputed items Thank you for your time and attention. I am requesting your assistance in ensuring that these inaccurate and unauthorized items are investigated and corrected immediately.

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