Consumer complaint received 2025-11-21 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 filing this complaint because multiple inaccurate, fraudulent, and unverified items are appearing on my credit report. These items include unauthorized hard inquiries, unverified collection accounts, and chargeoff accounts that do not belong to me. The credit bureaus and furnishers have failed to properly investigate under FCRA 611, failed to maintain accuracy under 607 ( b ), and failed to provide validation under 609 and 623. I am requesting CFPB intervention to force the credit bureaus and data furnishers to remove all items that can not be fully verified with original signed documentation. I am suffering financial harm due to these errors, including denials of credit, increased interest rates, and reputational damage. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment The late payment history is incorrect because I never made late payments ; please correct the payment history. 
XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment This reported late payment is inaccurate ; I always paid on time and request correction. 
XXXX XXXX XXXX XXXX : {$320.00} Date Opened : XX/XX/XXXX XXXX I have no knowledge of this account and never authorized it ; please delete for failure to verify ownership. 
XXXX XXXX XXXX High Balance : {$880.00} Date Opened : XX/XX/XXXX Chargeoff This account is not mine and no validation has been provided ; request deletion. 
XXXX XXXX XXXX High Balance : {$900.00} Date Opened : XX/XX/XXXX Chargeoff I do not recognize this account ; it must be removed if you can not provide full verification. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Chargeoff This information is inaccurate and unverified ; I am requesting deletion. 
XXXX XXXXXXXX XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX XXXX I never opened or used this account; please delete immediately. 
XXXX XXXX XXXX XXXX : {$910.00} Date Opened : XX/XX/XXXX XXXX I dispute this account as not mine ; no permissible purpose or documentation exists. 
XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Chargeoff I do not recognize this account and request deletion under FCRA XXXX. 
XXXX XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Chargeoff This is not my account ; please remove due to lack of verification. 
XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is incorrect ; I never paid late and request correction. 
XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Late Payment This late payment entry is false ; please update the record with accurate on-time payment history. 
XXXXXXXX XXXX  XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Chargeoff I dispute this account as unverified and inaccurate ; I do not acknowledge this account and request deletion. 
XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Chargeoff I dispute this account as not mine and unverified ; I have no knowledge of opening this account and request deletion under FCRA for failure to validate. 
XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Collection I dispute this account because I do not recognize it and have never received any notice ; please delete for lack of verification. 
XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection XXXX can not validate ownership of this debt and I do not acknowledge this account ; please remove immediately. 
XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Chargeoff I dispute this account as fraudulent or inaccurately reported ; I never opened or authorized it and request deletion. 
XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Collection This collection is incorrectly reporting ; I do not recognize this account and request removal under FCRA 611. 
XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Collection I dispute this entry because I have no relationship with this collector or the original creditor ; please delete for failure to verify. 
XXXX XXXX  XXXX High Balance : {$910.00} Date Opened : XX/XX/XXXX Collection This duplicate XXXX entry is inaccurate and unverified ; I do not owe this debt and request immediate deletion. 
XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account, never opened it, and no validation has been provided ; request immediate deletion. 
XXXX XXXX XXXX XX/XX/XXXX Duplicate unauthorized inquiry ; I did not approve it, please delete. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry ; I never applied for any credit with this lender. 
XXXX XXXX XX/XX/XXXX This inquiry was not permitted by me and must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX This hard inquiry is unauthorized ; please delete for lack of permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/XXXX This is an unauthorized inquiry ; I never applied for credit. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I never gave consent for this inquiry ; request immediate removal. 
I request that the CFPB enforce my rights under FCRA and require all credit bureaus and furnishers to remove these accounts and inquiries unless they can provide original, signed, fully verifiable documentation proving ownership or authorization.

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