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:
b'I am filing this complaint because my credit report is showing multiple false collection accounts and unauthorized inquiries that I never approved, authorized, or had any connection to. These inaccurate entries have seriously affected my credit score and my ability to obtain credit and financial stability. Despite having no relationship with these companies, they continue to appear on my report as if I owed them money, which is absolutely untrue.\nMoving on to account inaccuracies, the account XXXX XXXX XXXX XXXX is falsely showing late payments. This is incorrect. I have never made late payments with this creditor, and such reporting is a direct violation of FCRA 623(a)(1)(A) which prohibits furnishers from reporting inaccurate information. I have always maintained my payments on time, and this entry has clearly been reported in error. This false reporting has significantly hurt my credit profile and must be corrected immediately to reflect an on-time payment history.\nThe account XXXX XXXX XXXX XXXX XXXX XXXX is also inaccurately reporting late payments. I strongly dispute this, as I have always maintained my financial obligations with XXXX XXXX responsibly. There has never been a delinquency or missed payment. Under FCRA 607(b), you are required to ensure the accuracy and completeness of information in consumer reports. I request immediate correction of this false data.\nAnother XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is showing false late payment notations as well. This is entirely inaccurate and must be corrected. According to FCRA 623(b), furnishers of information are required to verify disputed data and correct it if found to be inaccurate. I have never missed any payments and this entry is completely misleading and damaging to my creditworthiness.\nThe account XXXX XXXX is being reported with a late payment that never occurred. I have a consistent record of making payments on time. Reporting this account as delinquent violates FCRA 602 and 611, as it spreads inaccurate and harmful information about my financial conduct. I am demanding this be corrected to show a positive and timely payment history, as I have never failed to meet my payment obligations with XXXX XXXX XXXX XXXX XXXX is being reported with late payment marks that are completely false. I have no record of ever missing or delaying a payment to this creditor. According to FCRA 607(b), credit bureaus must ensure that consumer reports are accurate and verifiable. Since this information cannot be verified as accurate, I demand that it be corrected or deleted immediately.\nThe account XXXX XXXX XXXX XXXX XXXX XXXX is falsely reported as having a late payment. This reporting is entirely inaccurate. I have consistently made all payments on time and have proof of my account being in good standing. Under FCRA 623(a)(1)(B), furnishers are not allowed to report data they have reasonable cause to believe is inaccurate. This entry must be corrected immediately to reflect the truth.\nThe account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is falsely reported as having late payments. I have always maintained timely payments with this creditor, and there has never been any delinquency. Reporting this account as late is a direct violation of FCRA 623(a)(1)(A), which prohibits furnishers from providing inaccurate data. I am requesting that this late payment mark be investigated and corrected immediately to reflect the accurate payment history.\nThe account XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX, is also being inaccurately reported as late. This is not true. I have consistently made all payments on time and have not defaulted on any terms of this agreement. The false reporting of a late payment is misleading and damaging to my creditworthiness. Under FCRA 607(b), you are required to ensure that all information is accurate and verifiable, and I am demanding immediate correction.\nThe account XXXX XXXX XXXX XXXX XXXX  with a high balance of XXXX, is incorrectly showing a late payment status. I strongly dispute this reporting. I have never made a late payment on this account and any such reporting is false. According to FCRA 623(b), furnishers must investigate disputed information and correct it if found to be inaccurate. This false entry must be immediately corrected to show an on-time payment history.\nThe account XXXX XXXX XXXX with a balance XXXX XXXX and opened XXXX XXXX XXXXs also falsely showing a late payment. I have maintained good standing with this creditor, and this negative reporting is completely inaccurate. Under FCRA 611(a), I have the right to dispute and demand reinvestigation of such false data. I expect this late payment notation to be removed or corrected immediately.\nThe second XXXX XXXX XXXX  account, opened on XXXX with a balance of XXXX, is again falsely reported with a late payment status. I dispute this entirely. I have never been late on this account, and this inaccurate data must be verified and corrected immediately. As required by FCRA 602 and 607, only complete and accurate information should appear in a consumers file. I request the immediate correction of this false reporting.\nThe account XXXX XXXX with a balance of XXXX  opened on XXXX, is also being reported with a late payment that never occurred. This information is false and damaging. I have maintained my payment obligations responsibly, and this error violates my rights under FCRA 623(a). I request this information be corrected or removed from my report immediately.\nThe account XXXX XXXX, with a high balance of XXXX opened on XXXX is reported as a charge-off, which is completely inaccurate. I have no knowledge of this account or any relationship with this creditor. This appears to be an error or potentially fraudulent account that was never authorized by me. Under FCRA 611 and 605B, any unverifiable or inaccurate account must be deleted immediately. I am requesting permanent deletion of this charge-off account from my credit file.\nThe account XXXX XXXX XXXX opened on XXXX with a high balance of XXXX, is also listed as a charge-off. I have no knowledge of this account whatsoever. I have never had any business relationship or financial agreement with this company. This is a false, unverifiable account that should not exist in my file. Reporting unverified data violates FCRA 623(a)(1)(B), and I am demanding that this account be permanently deleted.\nThe account XXXX XXXX XXXX XXXX opened on XXXX with a high balance of XXXX is being reported as a collection account, which is completely false. I have never done business with or received any communication from this entity. This entry appears to be fraudulent or misreported. Under FCRA 605B and 611(a), this information must be removed immediately because it cannot be verified as accurate.\nFinally, the account XXXX XXXX XXXX XXXX with a balance of XXXX and opened on XXXX is also being reported as a collection. I dispute this account completely as I have no knowledge of ever owing or having an account with this company. This appears to be a re-aged or fabricated collection entry placed in my report without consent or validation. Under FCRA 623(b) and 611(a), this entry must be deleted immediately if it cannot be fully verified with proper documentation.\nThe collection account XXXX XXXX XXXX with a high balance of XXXX and opened on XXXXXXXX is being falsely reported. I have no knowledge or record of ever doing business with this company, authorizing credit, or owing any debt to them. This account is unverified and must be deleted immediately. Under FCRA 605B and 623(a), any unverifiable or inaccurate collection must be permanently removed from a consumers credit report.\nThe account XXXX XXXX with a high balance of XXXX, opened on XXXX is also a completely false collection report. I have no history or financial relationship with this company and have never authorized any account or credit line with them. This reporting violates FCRA 607(b) which requires accurate and verifiable information. Since this cannot be verified, I demand deletion of this entry without delay.\nThe account XXXX XXXX XXXX XXXX opened on XXXX with a reported balance of XXXX, is another false collection account that I have no knowledge of. I have never received any validation or documentation proving this debt exists. Reporting this information violates FCRA 602 and 611, which give me the right to accurate reporting and dispute verification. I am requesting permanent deletion.\nThe account XXXX XXXX XXXX, opened on XXXX with a balance of XXXX is a duplicate and also inaccurate. I have no such account, and this appears to be either a data duplication or reinserted file. Under FCRA 611(a)(5)(A), reinserting previously deleted or unverified information is prohibited. I demand immediate deletion of this false entry.\nIn addition to these false collection accounts, there are multiple unauthorized inquiries on my report that I did not approve. These inquiries were made without my written consent and therefore violate FCRA 604(a)(2), which clearly states that a credit inquiry can only be made with the consumers permission or for a permissible purpose.\nThe following inquiries must be deleted immediately as they were never authorized by me:XXXX XXXX XXXX XXXX XXXXI have never applied for credit with these companies nor given consent for these inquiries. Their presence on my report is a direct violation of my rights under the Fair Credit Reporting Act, which prohibits unauthorized access to consumer credit data. Each of these inquiries must be permanently removed to protect my credit history and identity.\nI have attempted to resolve these issues directly with the credit bureaus, but the results have been unsatisfactory. I have not received proper investigation updates, validation documents, or evidence confirming these entries were legitimate. These false and unauthorized entries have caused me significant emotional distress and financial harm, and they continue to reflect negatively on my credit profile even though they are inaccurate.\nI am requesting the Consumer Financial Protection Bureau (CFPB) to investigate this matter and hold these companies and the credit reporting agencies accountable for violating the Fair Credit Reporting Act (FCRA). I want the following resolutions:\n1.\tImmediate deletion of all false collection accounts listed above.\n2.\tPermanent removal of all unauthorized credit inquiries listed above.\n3.\tWritten confirmation that all inaccurate information has been deleted and that no further unverified data will be reinserted.\n4.\tInvestigation into how these items were placed on my file without proper authorization or validation.\nI am attaching supporting documentation, including my identification and address verification, to confirm my identity. I respectfully ask the CFPB to ensure these violations are properly addressed, and that these inaccurate, damaging items are removed from my credit report permanently.\nThank you for your time and assistance in protecting my consumer rights.'

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