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:
I am filing this complaint against Equifax, Experian, and TransUnion for reporting inaccurate, incomplete, and unverifiable information on my credit reports. Despite sending formal dispute letters dated XX/XX/year>, to all three bureaus, they have not properly reinvestigated or corrected these issues in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Each bureau was requested to provide validation of the disputed accounts under FCRA 609 ( a ) ( 1 ) ( A ) and 611, including proof such as original signed consumer contracts. None of them provided verifiable documentation, nor did they remove the accounts as required under the law. 

Their failure to maintain reasonable procedures for accuracy has harmed my creditworthiness and my ability to qualify for a mortgage and other credit opportunities. 

Details of Disputed and Inaccurate Information 1. Common or Overlapping Issues Across All Three Bureaus XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reported inaccurately as late. This account was paid as agreed and never late. Please update to reflect 100 % on-time payment history. 

XXXX XXXX XXXX ( Account : XXXX ) Identity theft item. I am a victim of identity theft, and I have submitted an FTC Identity Theft Report. This account does not belong to me and must be removed immediately. 

XXXX XXXX XXXX ( Account : XXXX ) Unverified debt. I requested validation from the creditor more than 30 days ago ; no response has been provided. 

XXXXXXXX XXXX XXXXXXXX ( Account : XXXX ) Unverified account. No supporting validation provided despite written requests. 

XXXX XXXX XXXX / XXXX ( Accounts : XXXX and XXXX ) Duplicate accounts. These duplicates violate FCRA accuracy standards and must be corrected. 

XXXX. XXXX Items Experian Only : XXXX XXXX XXXX Account : XXXX ) Unverified ; no creditor validation received. 

Incorrect Personal Information : Several outdated or inaccurate addresses are still being reported, including : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Equifax Only : XXXXXXXX XXXX XXXX Account : XXXX ) Should be reported as paid as agreed and never late. 

XXXX XXXX ( Account : XXXX ) Same as above ; should show on-time payment. 

Duplicate and unverifiable accounts ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Requested validation ; no response. 

TransUnion Only : XXXX XXXX ( Account : XXXX ) Unverified; same as above. 

Incorrect Personal Information : Outdated addresses still showing, including : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Legal Violations and Consumer Harm The credit bureaus have violated multiple provisions of the Fair Credit Reporting Act, including but not limited to : 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) Failure to properly reinvestigate disputed information within 30 days.

1681g ( a ) Failure to provide the method of verification upon request.

As a result, I have been denied credit and housing opportunities and suffered financial and emotional harm.

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