Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint because TransUnion/Equifax/Experian are reporting multiple inaccurate and unverifiable items on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). These items are harming my credit, reputation, and financial opportunities. 

XXXX. Incorrect Names, Employers, and Contact Information My legal name is XXXX XXXX XXXX. 

Please remove all AKAs, former names, and variations associated with my profile. 

Remove all cell phone numbers that were never authorized. 

Remove employer listing XXXX XXXX XXXX. This is false, misleading, and unverifiable. 

XXXX. Bankruptcy Inaccurate Reporting Equifax/TransUnion/Experian are reporting a bankruptcy as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX | Updated : XX/XX/XXXX | Type : Chapter XXXX | Status : Dismissed/Closed This bankruptcy was never completed, never discharged, and should not remain on my file. Reporting a dismissed/withdrawn bankruptcy as if it is valid is a violation of FCRA because it misrepresents the disposition. It is not verifiable as an actual bankruptcy event impacting creditors. I demand immediate deletion.

3. Fraudulent or Inaccurate Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I never opened or authorized this account. Must be deleted. 

XXXX XXXX ( Acct ending XXXX XXXXXXXX ) Reported as Charge-Off despite being an account I never contracted. The reported payment history is inaccurate. This is unverified debt and must be deleted. 

XXXX XXXX ( Acct ending XXXXXXXX XXXX XXXX XXXX XXXX  Reported as XXXX. I dispute this account entirely as fraudulent and demand deletion. 

XXXX XXXX ( Acct ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX I never contracted with this company. This is fraudulent and must be removed. 

XXXX XXXX XXXX ( Acct ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fraudulent collection account. I have no contract with this company or its alleged creditor. Must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct ending * XXXX ) Fraudulent account. Must be deleted. 

XXXX. Inaccurate Credit Inquiries The following companies made inquiries without a permissible purpose under 15 U.S.C. 1681b. These must be deleted as unauthorized : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX These inquiries were not authorized by me, and under FCRA, they must be deleted as impermissible pulls. 
XXXX. Fraudulent / Inaccurate Chime Financial Account Chime Financial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX This account is fraudulent and inaccurate. I have never opened, contracted, or authorized any account with XXXX XXXX. Under FCRA 15 U.S.C. 1681e ( b ), the credit reporting agency must ensure maximum accuracy, and under 1681i, unverifiable accounts must be deleted. 

I demand that this XXXX XXXX account be permanently removed from my credit report as it is causing ongoing harm and does not belong to me. 
Legal Basis Under the FCRA, Section 604 & 607, credit reporting agencies may only report accurate and verifiable information. If an account or record can not be fully verified, it must be deleted. Continuing to report unverifiable, fraudulent, or inaccurate information is a violation of 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to maintain reasonable procedures ).

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