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 several derogatory accounts and an unauthorized credit inquiry are appearing on my credit report that do not belong to me. I have disputed these items multiple times with the individual furnishers as well as with the major credit bureaus. I have also filed previous CFPB complaints, but some itemsespecially the accounts connected to XXXX XXXX left unresolved. Because the previous complaint was closed without providing actual validation or documentation, I am opening a new case and requesting full intervention from the CFPB. 

I have also filed an FTC Identity Theft Report and I will be attaching those documents along with supporting evidence. These accounts do not belong to me, and I have not received true validation from any of the companies reporting these items. 

This dispute involves several derogatory accounts : 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 XXXXXXXX XXXX XXXX these accounts is being reported either as a collection, charge-off, or negative tradeline. I dispute all of them because I did not open these accounts, I did not authorize these accounts, I did not sign for these accounts, and I did not receive any benefit from them. The companies reporting them have not provided me with original documentation to validate the debt or prove the accounts belong to me. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX reported with a charge-off status. I did not open this account and have never authorized any credit or retail line with XXXX XXXX or with XXXX. I have never received a contract, application file, billing statement, or itemized account activity proving that I created this account. 

Despite multiple disputes and requests, no company has provided validation in the form of : A signed original contract Identity verification logs Statements or billing cycles IP address or device information Application submission records The reporting remains unsupported by actual evidence. Therefore, I dispute this account entirely. 

XXXX. XXXX XXXX First Derogatory Account I am also disputing the first Tower Loan account reporting as a charge-off. XXXX XXXX claims that I originated this account, but they have not provided any original contract, payment history, ledger, disclosures, or verification of any kind. The information they provided in past letters was insufficient, and no proper validation documents were ever presented. 

XXXX XXXX did send a response through the CFPB in a prior case, but it was essentially a narrative statement claiming that I opened the account. They referenced their internal records and claimed the signature matched, but did not provide the actual signed contract for me to review. They also did not provide any original documentation, any identity verification, or any evidence of the application I supposedly submitted. 

Their written responses also contained comments that were unprofessional and dismissive of my dispute. Despite this, XXXX XXXX did not provide validation required under FCRA for them to continue reporting this debt. This is why I am opening a new CFPB case. The matter remains unresolved. 

I am submitting my FTC Identity Theft Report to support this new CFPB claim. 

XXXX. XXXX XXXX Second Derogatory Account ( Loan at XXXX XXXX XXXX XXXX also claims that a second account was opened under a Loan at Home check. Again, the company has not provided actual documentation, including : A signed contract Proof I received or cashed any check Disbursement or deposit information Application files Truth-in-Lending disclosures In their prior CFPB response, XXXX  XXXX again relied only XXXX internal assertions and general statements rather than providing real proof. They claimed the signature matched, but I was never provided the signature they claim matches mine. They claimed these accounts belonged to me, but they did not show the underlying documents. 

They also claimed that payments were supposedly made with a debit card in my name, but did not provide transaction receipts, card information, bank statements, or any documentation showing the origin of the alleged payments. Without such documentation, these claims can not be considered valid. 

Because XXXX XXXX did not address any inconsistencies in reporting dates, status codes, charge-off dates, or payment historiesand did not provide validation in the previous caseI am reopening the matter with a new CFPB complaint. 

XXXX XXXX XXXX XXXXXXXX Account There is also a collection account from XXXX XXXX  being reported. I have no knowledge of the original creditor and have not been provided with any contract, statements, itemization, or account information linking this alleged debt to me. 

XXXXXXXX XXXX has not provided : The name of the original creditor A signed agreement Proof of authorization Billing statements Any validation required under federal law Without an original contract or proof of the debt, I dispute the XXXX Collect account as inaccurate and not mine. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account The next derogatory account is from XXXX XXXX XXXX XXXX. This company is reporting a collection debt on my credit file. I did not open any credit account that could have been sold or transferred to this agency. 

XXXX XXXX XXXX has not provided any proof of : The original creditor Contract documents Application files Itemized charges or fees Account history Proof that I ever created or approved this debt Without validation, this collection account remains unverified, inaccurate, and disputed. 

XXXX. XXXX XXXX XXXX XXXX Hard Inquiry Unauthorized Finally, there is a hard inquiry from XXXX XXXX XXXX XXXX that I did not authorize. I did not apply for membership or credit with XXXX XXXX at the time the inquiry was made. I did not give permission for my credit report to be pulled. 

I am requesting that XXXX XXXX : Provide proof I authorized the inquiry Provide documentation showing my consent, such as a signed membership form or loan application If they can not provide this proof, I request that the inquiry be removed as fraudulent. 

Actions I Have Already Taken To support this dispute : I have already filed an FTC Identity Theft Report and will attach those documents. 

I have reported these issues to the credit bureaus. 

I have contacted the furnishers and requested validation. 

A prior CFPB complaint was filed, but XXXX XXXX did not provide actual documentation or resolve the matter. 

Because the previous complaint was closed without resolution, I am filing a new CFPB case to continue the investigation. 

Why I Am Requesting CFPB Intervention These derogatory accounts are damaging my credit, and none of the companies involved have provided legal validation or documentation showing the alleged debts are mine. Under FCRA, companies must maintain and provide original records. They can not simply claim that an account belongs to me without showing the evidence. 

XXXX XXXX, in particular, submitted XXXX letters to the CFPB stating that they believe the accounts belong to me but failed to attach the required documents that would prove it. They referenced internal summaries, not actual contracts or disclosures. Their letters do not meet the validation standard required when a debt is disputed. 

XXXX XXXX and XXXX XXXX XXXX also have not provided any proof linking me to their claims. 

XXXX ( XXXX XXXX ) has not produced any signed contract or itemized statements. 

XXXX XXXX has not shown any documentation that I authorized the credit inquiry. 

Because no valid documentation has been provided, I dispute all these accounts and inquiries as fraudulent, inaccurately reported, or unverified. 

What I Am Requesting I am requesting that the CFPB require the companies reporting these accounts to provide : Original signed contracts Billing statements Itemized payment histories Truth-in-Lending disclosures Identity verification logs IP addresses Application metadata Proof of disbursement Proof of credit usage Documentation showing I authorized the XXXX XXXX XXXX If XXXX companies can not provide this documentation, I request that the accounts and the inquiry be removed as inaccurate and unverifiable. 

Conclusion I did not open these accounts, I did not authorize them, and I did not sign for them. These derogatory accounts and the unauthorized inquiry continue to damage my credit. I have filed an FTC Identity Theft Report and am reopening this dispute because the previous case was not resolved. I am requesting a full investigation and verification or removal of all disputed items.

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