Consumer complaint received 2025-11-29 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:
I am filing this complaint because multiple credit bureaus and data furnishers are reporting false, unauthorized, inaccurate, fraudulent, unverified, and identity-theftrelated information on my credit report in direct violation of XXXX  law. I have repeatedly disputed these items with the credit bureaus, and they have failed to properly investigate as required under FCRA 611. They continue to publish wrong addresses, unauthorized inquiries, incorrect late payments, fraudulent charge-offs, and unverified collections. These accounts do not belong to me and have severely harmed my credit, my financial stability, and my ability to obtain housing, transportation, and basic necessities. I am requesting the CFPB to intervene, investigate, and take enforcement action. 
WRONG ADDRESSES DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address These addresses are fraudulent, never connected to me, and must be removed immediately under FCRA 604 & 609 ( a ). 
DISPUTED ACCOUNTS FIX OR DELETE UNDER FCRA XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$740.00} Issue : Late Payment ( False reporting, never late. Must correct or delete under FCRA 611. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1200.00} Issue : Late Payment ( Inaccurate data. If you can not verify it with documentation, delete under FCRA 623 ( a ) ( 1 ) ( A ). ) XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1300.00} Issue : Charge-Off Not My Account ( I have no knowledge of this debt. Provide original signed application or delete under FCRA 609 ( a ). ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$1900.00} Issue : Charge-Off Not My Account ( Unverified, fraudulent. Delete immediately under FCRA 611 ( a ). ) XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$3800.00} Issue : Charge-Off Not My Account ( I never opened or authorized this. Violation of FCRA 602 ( A ). Delete now. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$2000.00} Issue : Charge-Off Not My Account ( Provide verification or delete under FCRA 609 ( a ) ( 1 ) ( A ). ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$600.00} Issue : Charge-Off Not My Account ( Identity-theftrelated reporting. Must be removed under FCRA 605B. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$5000.00} Issue : Charge-Off Not My Account ( This tradeline is fraudulent. I never opened it. You must remove it if you can not validate under FCRA 609 ( a ). ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$2800.00} Issue : Collection Not My Account ( I have no knowledge of this debt. Reporting a collection that can not be proven violates FDCPA 807 ( 8 ). Delete immediately. ) XXXX XXXX Open Date : XX/XX/XXXX | High Balance : {$5700.00} Issue : Collection Duplicate Reporting ( This appears to be duplicate collection reporting for the same debt, which is illegal under FCRA 607 ( b ). Remove this duplicate immediately. ) XXXX  INQUIRIES UNAUTHORIZED / REMOVE UNDER FCRA 604 ( a ) ( 2 ) ( The following inquiries were NOT authorized. I did not apply for these accounts. Remove all unauthorized inquiries immediately. ) XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized Inquiry XXXX consent was given to access my credit file. Remove now. 
XXXX XXXX Date : XX/XX/XXXX Unauthorized Inquiry This inquiry is unapproved. Remove under FCRA 604 ( a ) ( 2 ). 
REQUEST FOR CFPB XXXX I am requesting immediate CFPB investigation and enforcement. These furnishers and credit bureaus failed to follow the law, failed to verify accounts, failed to fix inaccuracies, and continued reporting damaging information in violation of federal regulations. I want all fraudulent accounts, wrong addresses, false late payments, unverified collections, unauthorized inquiries, and any item that can not be proven with legal documentation removed immediately. I want full accountability for the harm caused to my credit and life.

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