Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccurate and potentially fraudulent auto finance accounts. These accounts are causing severe harm to my creditworthiness, financial opportunities, and reputation. I am disputing them under the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 607 ( b ) Duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Right to request all information in the consumers file.

FCRA 611 Requirement to conduct reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) Duty of furnishers not to report inaccurate information.

I have never applied for, opened, or authorized these accounts. Despite my disputes with the credit bureaus, they continue to appear on my reports without proper verification or supporting documentation. 

XXXX. XXXX XXXX XXXX Account XXXX Open Date : XX/XX/XXXX High Balance : {$18000.00} Issue : This account is not mine.

Law : Violates FCRA 607 ( b ) and 611, as the reporting is inaccurate and unverified.

Story : I have no knowledge of this account and never entered into any agreement with XXXX XXXX XXXX. The inclusion of this account is damaging my credit profile and misleading potential lenders. 

XXXX. XXXX XXXX Account XXXX Open Date : XX/XX/XXXX High Balance : {$10000.00} Issue : Inaccurate and unverifiable reporting.

Law : FCRA 609 ( a ) ( 1 ) I have the right to receive full account documentation, which has never been provided. 

Story : I have never had any financing through XXXX XXXX. This appears to be either a case of mixed file or identity theft. 

XXXX. XXXX XXXX Reported XX/XX/XXXX Issue : False reporting without any supporting contract.

Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

Story : This account was never opened by me. Its sudden appearance in XXXX raises serious red flags regarding the accuracy of reporting practices. 

XXXX. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Issue : Fraudulent reporting.

Law : FCRA 607 ( b ). 

Story : I have never applied for or maintained any auto loan with XXXX XXXX XXXX XXXX. This information is completely inaccurate.

5. XXXX XXXX XXXX Reported XX/XX/XXXX Issue : No contractual agreement exists. 

Law : FCRA 611.

Story : Reporting of this account is misleading and unverified. I have requested validation, but none has been provided. 

XXXX. XXXX XXXX XXXX Reported XX/XX/XXXX Issue : Duplicate and fraudulent reporting.

Law : FCRA 607 ( b ).

Story : This appears to be an attempt to reinsert or duplicate the earlier XXXX XXXX account without proper verification. 

XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX Issue : Inaccurate entry.

Law : FCRA 609 ( a ) ( 1 ).

Story : I have never had a loan with XXXX XXXX XXXX. This is an unlawful insertion on my credit report. 

XXXX. XXXX XXXX XXXX Reported XX/XX/XXXX Issue : No evidence of any agreement exists.

Law : FCRA 623 ( a ). 

Story : I have never purchased or financed a vehicle through XXXX XXXX XXXX. This is a completely false account. 

XXXX. XXXX XXXX XXXX Reported XX/XX/XXXX Issue : Unauthorized and fraudulent reporting.

Law : FCRA 611.

Story : This account has no connection to me. Reporting such false information is harmful and violates federal law. 

Conclusion & Requested Action These accounts are inaccurate, unverifiable, and potentially fraudulent. I request that CFPB investigate these violations and require the credit reporting agencies and furnishers to : Provide complete documentation ( original signed contracts, applications, and payment history ) for each account. 

Delete all unverifiable, inaccurate, or fraudulent accounts immediately. 

Prevent reinsertion of any deleted account without proper certification as required under FCRA.

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