Consumer complaint received 2025-11-06 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 XXXX XXXX XXXX XXXX, am FILING this dispute on behalf of myself, on this XXXX XXXX XXXX XXXXXXXX, 2025 FRAUDULENT ACCOUNTS REPORTING ON ALL THREE BUREAU 'S EXPERIAN, TRANSUNION, AND EQUIFAX CREDIT REPORTING WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. ALSO INVOLVING ALL THREE ENTITIES IN CONSPRIRACY WITH EACH OTHER BY REPORTING INACCURATE FRAUDULENT INFORMATION OVER INTERNET!!!. THESE ACCOUNTS WERE SOLD TO A THIRD PARTY WHICH I NEVER DID BUSINESS WITH, WHICH I OWE THESE ENTITES NOTHING.

The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ).

You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.

Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.

You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

CORRECTION OF MY NAME AND ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVAL OF ALL OTHER FRAUDULENT ADDRESSES IMMEDIATELY [ CODE DF ] CODE DF REMOVAL OF ALL FRAUDULENT INQUIRIES IMMEDIATELY FROM ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX IMMEDIATELY!!! 

REMOVAL OF ACCOUNTS AS FOLLOWS CODE DF IMMEDIATELY CODE DF : XXXX XXXX XXXX XXXX XXXX IMMEDIATELY!!! 
XXXX XXXX XXXX IMMEDIATELY!!! 
XXXX XXXX XXXX IMMEDIATELY!!! 
XXXX XXXX XXXX IMMEDIATELY!!! 
XXXX XXXX XXXX IMMEDIATELY!!! 
XXXX XXXX XXXX IMMEDIATELY!!! 

XXXX ACCOUNT : XXXX REMOVAL OF ALL COLLECTIONS ACCOUNTS CODE DF IMMEDIATELY!!! CODE DF REMOVAL OF ALL FRAUDULENT INQUIRIES CODE DF IMMEDIATELY!!! CODE DF COLLECTIONS : XXXX XXXX XXXX : Original creditor XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone number XXXX XXXX ) XXXX

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