Consumer complaint received 2025-11-13 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:
Dear CFPB Representative, I am filing this complaint against several furnishers and credit reporting agencies for reporting inaccurate and unverifiable information on my credit report. Despite my prior disputes, the following inaccurate items remain on my credit file, causing significant harm to my creditworthiness. 
Incorrect Addresses : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These addresses are not mine and should be deleted immediately from my credit file. 
Account Disputes : XXXX XXXX Account # XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Issue : Reported as Late Payment. I have never made late payments on this account. Please correct the payment history to reflect all on-time payments. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no knowledge of this account being charged off. Please verify its accuracy or delete it if unverifiable. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no knowledge of this account and request deletion if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no knowledge of this account. Please verify and remove if inaccurate. 
XXXX Account XXXX XXXX XXXX XXXX  High Balance : {$16000.00} Date Opened : XX/XX/XXXX Issue : Reported as Charge Off. I have no record or knowledge of this debt. Please delete if unverifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$31000.00} Date Opened : XX/XX/XXXX Issue : Reported as Late Payment. This is incorrect I never made late payments. Please update the account history to reflect on-time payments. 
XXXX XXXX Account XXXX XXXX XXXX  High Balance : {$3100.00} Date Opened : XX/XX/XXXX Issue : Reported as Collection. This account is not recognized and must be deleted if unverifiable. 
Unauthorized Inquiries : Please remove the following unauthorized inquiries, as I did not XXXX permission for these companies to access my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please complete your investigation within 30 days and provide written confirmation of the results. If the disputed information can not be verified, I request that it be deleted from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 
Summary of Complaint : These inaccurate and unverified items have resulted in severe harm to my credit reputation, emotional distress, and financial damage. The furnishers and credit reporting agencies have failed to properly verify or correct the information as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request the CFPB to : XXXX. Investigate these inaccuracies immediately. 
XXXX. Require the furnishers and bureaus to provide proper validation or delete the items. 
XXXX. Ensure that all unverifiable and unauthorized entries are permanently removed from my credit file. 
Please confirm receipt of this complaint and inform me of any updates or actions taken. 
Thank you for your attention and assistance.

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