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:
This complaint is regarding multiple inaccurate, unverified, unauthorized, and harmful items reported on my credit file. I have already disputed these items with the credit bureaus, yet they refused to correct them or failed to properly reinvestigate in violation of FCRA 602, 603, 604, 605, 607 ( b ), 609, 611, 623 ( a ), 623 ( b ) and FDCPA 807 ( 8 ). The following accounts and inquiries were never authorized by me, no verification has ever been provided, and these errors are causing severe financial harm, emotional distress, and denial of credit. The bureaus and furnishers continue to report them despite my previous dispute, which proves negligent and willful non-compliance.

WRONG ADDRESSES UNAUTHORIZED & FRAUD-FLAGGED ( You must delete these under FCRA 609 ( e ) & 611 because they can not be verified as belonging to me ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address / Completely unknown location / Never associated with me/ Remove immediately for inaccurate reporting XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Address / Never lived here/ This address being connected to my profile proves your system is mixing files or failing to match identifiers ACCOUNTS FALSE, UNVERIFIED, DAMAGING, AND MUST BE REMOVED ( You are violating FCRA 607 ( b ) for failing to ensure accuracy and 611 for reinvestigation failure ) XXXX XXXX Acct XXXX High Balance : {$7200.00} Date Opened : XX/XX/XXXX Charge-Off Issue : I do not acknowledge this account/ I never received any contract, statements, billing records, or proof of responsibility / No signature or original agreement has ever been provided/ This appears to be mixed file or identity-related error / Reporting it as a charge-off without valid verification violates FCRA 623 ( a ) ( 1 ) ( A ) XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge-Off * Issue : No record of this account exists in my personal files/ You have not proven ownership / Reporting a {$0.00} balance account as a charge-off is inaccurate and misleading under FCRA 607 ( b ) UNAUTHORIZED HARD INQUIRIES MUST BE REMOVED IMMEDIATELY ( Under FCRA 604 ( a ) ( 2 ), no inquiry may be placed on my report without my written consent. These companies have produced NO authorization. ) XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : I never applied with this lender / No permissible purpose / Must be deleted XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Duplicate + unauthorized/ Not mine / Must be removed XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Duplicate inquiry on same date / Completely unauthorized/ Remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Another unauthorized duplicate / No documentation has been provided/ Violates FCRA XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No application submitted/ No permissible purpose / Must be deleted immediately WHAT I AM REQUESTING FROM CFPB I am requesting CFPB enforcement to compel the credit bureaus and the furnishers to remove or correct all of the above items. These accounts and inquiries do not belong to me, can not be verified, are damaging my credit, and are being reported in violation of federal law. I want the CFPB to force full compliance with : FCRA 607 ( b ) ( maximum accuracy ) FCRA 611 ( a ) ( proper reinvestigation ) FCRA 623 ( a ) ( 1 ) ( A ) ( no reporting of inaccurate information ) FCRA 604 ( a ) ( no unauthorized credit pulls ) and any other applicable provisions.

I am requesting immediate deletion of all disputed accounts, removal of unauthorized inquiries, correction of false late payments, and confirmation that all errors have been permanently resolved.

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