Consumer complaint received 2025-10-10 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: GA

Complaint narrative:
1 ) Complaint against a Credit Reporting Agency ( use for TransUnion, Experian, Equifax ) Issue type ( select in the CFPB form ) : Credit reporting Problem with a credit reporting companys investigation Information belongs to someone else / incorrect information / improper reinsertion / unauthorized hard inquiries Company youre complaining about : Choose one : TransUnion LLC / Experian / Equifax Information Services LLC What happened ( Problem summary ) : I am disputing inaccurate, inconsistent, and reinserted information on my credit report, with identity-theft / mixed-file indicators and unauthorized hard inquiries. Despite prior disputes, the company failed to ensure maximum possible accuracy ( FCRA 607 ( b ) ) and did not complete a proper reinvestigation with a compliant Method of Verification ( FCRA 611 ). Some items appear to have been reinserted without required furnisher certification and 5-day notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Specific problems include : Cross-bureau inconsistencies : multiple tradelines show different statuses across bureaus ( e.g., some show Open/Current on one bureau and Paid on another ).

Improper reinsertion of previously corrected items without notice.

Unauthorized or unverified hard inquiries without permissible purpose ( FC
RA 604 ).

Identity-theft/mixed-file symptoms, including address/name variation issues and contradictory last-activity dates.

Incomplete or misleading data ( e.g., Unknown status, conflicting balances/limits, missing payment history ).

Accounts/Items at issue ( mask numbers as shown ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Detected identity-theft indicators and reported themXXXX XXXX XXXX XXXX Found cross-bureau inconsistencies, reinserted items, and hard-pulls without authorization.

Submitted disputes with highlighted report pages ; issues persist without proper MOV.

What Ive done so far : Placed freezes/opt-outs ; filed disputes with each bureau.

Generated identity-theft reports and police report.

Requested MOV, furnisher member codes, and documentation ; not provided adequately.

What you want the company to do : Delete all inaccurate, unverifiable, reinserted, or identity-theft items.

Provide Method of Verification for anything retained ( documents reviewed, furnisher name & member code, verification date, reviewer ID, whether verification was manual/e-OSCAR, and IP/device logs for any e-consent ).

Remove or reclassify disputed hard inquiries to soft when no signed authorization/permissible purpose exists.

Block identity-theft items under FCRA 605B and confirm.

Correct personal information to the current legal name and current address only ; delete outdated variants.

Send updated disclosures showing all corrections within 30 days and mail confirmation of any reinsertions per 611 ( a ) ( 5 ) ( B ) if applicable.

At my request, notify recent report users of corrections.

Attachments ( upload as PDFs/images ) : Government ID and proof of address FTC Identity-Theft Report & Police Report # ( enter your number ) Highlighted credit report pages showing conflicts Prior dispute letters and any responses

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