Consumer complaint received 2025-10-09 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:
b'I am submitting this complaint because all three major credit reporting agenciesEquifax, Experian, and TransUnionhave failed to ensure the accuracy and integrity of my consumer credit information, despite multiple written disputes I submitted on XXXX XXXX XXXXEach bureau continues to report information that is inaccurate, unverified, or duplicated, and has not provided any documentation to prove that the accounts in question were lawfully verified. I have also identified accounts that were the result of identity theft, as well as incorrect personal information and addresses listed on my reports.\XXXXThe presence of these false and incomplete items has caused significant harm to my creditworthiness and my ability to obtain credit and housing for my familyXXXXFailure to maintain maximum possible accuracy (FCRA 1681e(bXXXXThe bureaus are reporting multiple duplicate and inconsistent accounts from the same creditors, showing different account numbers and balances.XXXXFailure to reinvestigate disputed information (FCRA 1681i(a))XXXXI formally disputed these items in writing and requested validation. More than 30 days have passed without the required response or documentation proving that the information was verified through the original signed contract or applicationXXXXFailure to correct identity-theft-related information (FCRA 1681c-2)XXXXI submitted an FTC Identity Theft Report and requested removal of fraudulent accounts that do not belong to me. These items remain on my fileXXXXFailure to remove unauthorized inquiries (FCRA 1681b(c)XXXXMy reports include inquiries I never initiated or authorized. These should have been deleted once disputedXXXXNegligent and willful noncompliance\nThe bureaus continued reporting of unverifiable and inaccurate data after written notice constitutes willful disregard for consumer protection laws.XXXX XXXX XXXX XXXX XXXXtDuplicate reporting across all three bureaus. Unverified.XXXXFraudulent account  identity theft (FTC report provided)XXXX XXXX XXXXNo validation provided after 30 days. Continues to report inaccurately.XXXX XXXXtUnverified, no validation after requestXXXX XXXXUnverified and incomplete information.\XXXX XXXX XXXX XXXX XXXXDuplicate entries and inconsistent dataXXXX XXXXNo validation provided; inaccurate reporting.\XXXX XXXX XXXX XXXXUnverified; furnisher did not validateXXXXMisleading and false reporting  FDCPA 807 violationXXXXMisleading false reporting  FDCPA 807 violation.XXXXDuplicate account.\XXXXDuplicate account.\XXXX XXXX XXXX XXXX XXXX XXXXMultiple accounts (various XXXX identifiers)\tInaccurate reporting; accounts paid on time but marked otherwise. Should reflect paid as agreed.\n\nAdditionally, outdated and incorrect personal identifiers (old addresses, alias names) continue to appear on my reports, even though I have provided updated and accurate information.'

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