Consumer complaint received 2025-12-01 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 being filed against ExperianXXXX XXXX XXXX  and all furnishers listed below for repeatedly reporting inaccurate, unverifiable, fraudulent, and unauthorized information on my credit report despite multiple disputes I am filing under The Fair Credit Reporting Act ( FCRA ) 602, 604, 607 ( b ), 609, 611, 623 along with the Fair Debt Collection Practices Act ( FDCPA ) 807 and FACTA for ongoing violations that have caused financial damage mixed-file issues and identity misuse DISPUTED ADDRESSES NOT MINE/ NEVER LIVED AT THESE LOCATIONS FCRA 607 ( b ) You must maintain maximum accuracy FCRA 611 You must reinvestigate inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Completely inaccurate I never resided here and this address is fraudulently attached to my file XXXX XXXX XXXX XXXX XXXX, TX XXXX Not my residence reporting this address creates mixed file issues remove immediately DISPUTED ACCOUNTS UNVERIFIED / INCORRECT/ NOT MINE / WRONG HISTORY XXXXXXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX Balance : {$700.00} Issue : Late payment history is completely false I never paid late and XXXX XXXX has failed to validate any delinquent record correct immediately under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance : {$210.00} Issue : I never opened any utility account at this address this appears to be identity misuse and fraudulent reporting remove immediately under FCRA 605B identity theft procedures XXXX XXXXXXXX Late Payment * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment data is inaccurate and unverified I never made late payments and no evidence exists showing delinquency delete or correct under 611 and 607 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX Balance : {$130.00} Issue : False late payment history I always paid on time no written verification provided reporting violates 623 because furnishers must correct and update inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : I have no knowledge of this account the charge-off status is fraudulent and unverified I never signed or authorized anything the furnisher has failed to validate any records remove immediately under FCRA 611 and 623 ( a ) ( 3 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Duplicate reporting, false account, no contract, no authorization, no billing records this appears to be identity misuse and inaccurate reporting delete under FCRA 605B identity theft procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : I dispute this entirely I never defaulted on any Self account and no valid verification exists reporting as charge-off is negligent and violates 607 ( b ) accuracy requirements must be deleted XXXX XXXXXXXX Collection * * Date Opened : XX/XX/XXXX Balance : {$190.00} Issue : I have no knowledge of this collection and never received validation the furnisher has not proven ownership, chain of title, or original creditor documentation under FDCPA 809 invalid debt reporting must be removed HARD INQUIRY DISPUTES NO PERMISSIBLE PURPOSE FCRA 604 requires inquiries to have a valid permissible purpose These companies pulled my credit without authorization, without consent, and without any business relationship DISCOVERC Inquiry Date : XX/XX/XXXX Issue : No permissible purpose I never gave consent for XXXX to access my credit remove under 604 NATURE OF THE CFPB COMPLAINT The CRAs and furnishers have repeatedly violated : FCRA 607 ( b ) failing to maintain maximum accuracy FCRA 611 failure to properly reinvestigate disputes FCRA 604 inquiries without permissible purpose FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FDCPA 807 reporting false debt information FACTA failure to prevent mixed-file/identity misuse I have disputed these accounts with all CRAs but they refused to provide the legally required method of verification or any documentation The furnishers failed to validate or correct false information yet continue reporting harmful details damaging my credit REQUEST FOR CFPB ACTION I am requesting the CFPB to : 1. Force all CRAs to conduct a legal reinvestigation 2. Require furnishers to provide full verification with signed documentation 3. Remove all inaccurate, fraudulent, and unverifiable items 4. Remove all unauthorized inquiries 5. Hold the CRAs and furnishers accountable for legal violations I am requesting a full investigation and written confirmation of corrective actions

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