Consumer complaint received 2025-07-12 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:
XXXX XXXX XXXX XXXX Account Number : XXXX  Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX  : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX  : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX Account Number : XXXX  Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate removal of late payments under FCRA 1681c-2 Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information.

Provision of updated credit reports from all three bureaus.

Implementation of identity theft protections, including fraud alerts.

Comprehensive investigation and enforcement for failure to comply with FCRA, FDCPA, and Texas Business & Commerce Code requirements.

Fines or penalties under Texas law and federal law for willful negligence.

Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters to the creditor Declaration : I affirm under penalty of perjury that all statements provided herein are accurate and truthful to the best of my knowledge. Due to the severe harm caused by these unlawful practices, I request immediate intervention from the CFPB and relevant Texas state authorities to enforce compliance, uphold my rights, and restore the integrity of my credit report.

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