Consumer complaint received 2025-11-26 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 submitting this formal complaint against Experian, XXXX, XXXX, and the following furnishers for reporting false, inaccurate, unverifiable, and identity-mixed information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, the credit bureaus continue to report items that are not mine, not accurate, and can not be verified, and they are refusing to correct or delete the false information. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address has never belonged to me. I have never lived here nor used this address for any purpose. This is evidence of file contamination. 
XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not mine. My identity has been mixed with someone elses information, and this must be corrected immediately. 
XXXXXXXX XXXX XXXX Late Payment High Balance : {$150000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX I never made late payments on this account. These reported late payments are inaccurate and unverifiable. Furnishers are required under FCRA 623 to report accurate information only. Correct this immediately. 
XXXX XXXX XXXX Late Payment High Balance : {$180000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  The late payment information is false and contradicts my actual payment history. You can not verify these claims because they never happened. 
XXXXXXXX XXXX XXXX Late Payment High Balance : {$660.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX The late payments being reported are invalid and inaccurate. I was never late on this account. 
XXXX XXXX XXXX Late Payment High Balance : {$2900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This late payment information is completely wrong. I was never late at any point. You will not be able to verify this because it is false. 
XXXX XXXX XXXX * Late Payment High Balance : {$32000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX These late payments are inaccurate and appear to be automated reporting errors. This information must be corrected or removed. 
XXXX XXXX Charge Off High Balance : {$13000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXhis is not my account. I never opened it, never signed for it, and never received any notice about it. You can not provide a contract, signature, application, or any proper verification. This must be deleted immediately. 
XXXX XXXX XXXX Charge Off High Balance : {$6500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX I do not recognize this account. This appears to be identity mixing. Provide proof of contract, signature, and all verification documents. If you can not, you must delete it as required by FCRA. 
XXXXXXXX XXXX XXXX Charge Off High Balance : {$11000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This Charge Off is not mine. I never used or opened this account. You can not fully verify this item, therefore it must be removed. 
XXXX XXXX XXXX XXXX Collection High Balance : {$4600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX I never received any notice of this debt, I never authorized this account, and it does not belong to me. Under FDCPA, no collector may report a debt without proper validation. This collection is unverified and must be deleted. 
XXXXXXXX XXXX XXXX XXXX  I did not authorize these inquiries. These unauthorized hard inquiries indicate identity theft or file contamination. These must be removed immediately. 
REQUEST FOR CFPB ACTION : I am requesting that the CFPB : 1. Investigate all three credit bureaus for failing to correct inaccurate information 2. Require all furnishers listed above to provide full verification or delete the items 3. Force the bureaus to remove all wrong addresses, unauthorized inquiries, false late payments, fake charge-offs, and unverified collections 4. Ensure the bureaus comply with FCRA timeframes and reinvestigation procedures 5. Provide me with written results and confirmation of corrections

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