Consumer complaint received 2025-12-03 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:
To Whom It May Concern, I am submitting this complaint because several accounts on my credit report are being reported inaccurately, unfairly, and without proper verification. I have attempted to resolve these issues directly with the credit bureaus, but the information continues to be reported incorrectly. 
These inaccurate items are severely harming my credit profile, and I request a full CFPB investigation into the creditors and bureaus responsible. 
XXXX. Incorrect Late Payment Reporting ( I Never Paid Late ) These furnishers are reporting late payments that I never made. I dispute these entries and request correction to reflect an accurate payment history. 
XXXX XXXX Acct : XXXX High Balance : {$74000.00} | Date Opened : XX/XX/XXXX Issue : Incorrect late payment reporting. 
XXXX XXXX XXXX Acct : XXXX XXXX Balance : {$70.00} | Date Opened : XX/XX/XXXX Issue : Wrong late payment reporting. 
XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$490.00} | Date Opened : XX/XX/XXXX Issue : Wrong late payment reporting. 
XXXX XXXX Acct : XXXX High Balance : {$870.00} | Date Opened : XX/XX/XXXX Issue : Wrong late payment reporting. 
XXXX XXXX XXXX  Acct : XXXX High Balance : {$2500.00} | Date Opened : XX/XX/XXXX Issue : Wrong late payment reporting. 
XXXX Acct : XXXX High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Issue : Wrong late payment reporting. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$150.00} | Date Opened : XX/XX/XXXX Issue : Wrong late payment reporting. 
I request the CFPB to require the furnishers to provide actual documented proof of any late payment or remove/correct the information immediately. 
XXXX. Charge-Off Accounts ( I Have No Knowledge of These Accounts ) These accounts are reported as charge-offs, but I do not recognize them and have no knowledge of owing these debts. 
XXXX XXXX XXXX  Acct : XXXX High Balance : {$790.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Acct : XXXX High Balance : {$710.00} | Date Opened : XX/XX/XXXX XXXX  XXXX/XXXX  Acct : XXXX High Balance : {$830.00} | Date Opened : XX/XX/XXXX XXXX  XXXX/XXXX  Acct : XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX XXXX XXXX Acct : XXXX High Balance : {$5500.00} | Date Opened : XX/XX/XXXX These companies have failed to provide any validation or documentation proving these debts belong to me. I request full deletion of these unverified and unauthorized accounts. 
XXXX. Collection Accounts ( I Have No Knowledge of These Debts ) These collection agencies are reporting accounts that I do not recognize. 
XXXX XXXX XXXX Acct : XXXX High Balance : {$780.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$710.00} | Date Opened : XX/XX/XXXX These accounts have never been validated, and I deny any association with them. I request that these entries be removed immediately due to lack of proof and potential misreporting. 
Requested Action I am requesting the CFPB to intervene and require the furnishers and credit bureaus to : XXXX. Provide full documentation and proof supporting every negative item listed above. 
XXXX. Correct all wrong late payment reporting. 
XXXX. Remove all unverified, unauthorized charge-offs and collections. 
XXXX. Ensure full compliance with the FCRA, including accuracy and proper reinvestigation procedures. 
These inaccurate entries are causing financial harm, and I ask for a thorough and expedited investigation. 
Thank you for your time and assistance.

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