Consumer complaint received 2025-12-26 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: DC

Complaint narrative:
I am reporting an account appearing on my consumer credit report that is not mine and can not be verified, despite multiple formal disputes. 
I initially disputed this account with Experian and received a response stating the account was verified and updated. However, Experian failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ). The account continues to report contradictory information, including inconsistent reporting dates across credit bureaus, which suggests improper re-aging and undermines the accuracy of the tradeline. Due to these inconsistencies, I submitted a Method of Verification ( MOV ) request pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Experian responded only that the account was updated and verified, without providing the source of the information, the procedures used during the reinvestigation, or any documentary evidence. I submitted a second MOV request and received the same generic response. Merely stating that an account is verified does not satisfy the FCRAs XXXX of XXXX requirements. 
Experian has also failed to provide information from my consumer file as required under FCRA 609 ( a ), including verification records, documentation, or records linking me to this account. Because Experian can not produce verifiable documentation establishing that this account belongs to me, the information is unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). Continued reporting of unverifiable information is unlawful.

Additionally, Experian has failed to comply with FCRA 607 ( b ), which requires reasonable procedures to assure maximum possible accuracy, as evidenced by material inconsistencies in cross-bureau and internal reporting. Given the absence of documentation and the risk of identity theft or file-mixing, Experian has also failed to block the account as required under FCRA 605B.

This pattern of conduct may constitute willful and/or negligent noncompliance under FCRA 616 and 617. 
Experian continued publication of unverifiable and inaccurate information has caused ongoing financial harm, including credit denials, restricted access to credit opportunities, and damage to my financial reputation. Beyond financial injury, this prolonged failure to comply with federal law has caused significant stress, frustration, and emotional distress, as I have been repeatedly forced to dispute and defend against information that does not belong to me. This conduct undermines consumer trust in the accuracy and reliability of the credit reporting system. 
Despite multiple disputes and two formal Method of Verification requests, Experian continues to report this account without producing documentation. This harm is ongoing and will continue unless the account is permanently deleted as required by law.

I am requesting CFPB review and enforcement to ensure compliance with the FCRA and the permanent deletion of this account. I have also filed an FTC Identity Theft Report to document potential identity theft or file-mixing and request that this information be considered as part of the CFPBs review.

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