Consumer complaint received 2025-09-23 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 my credit report with EXPERIAN contains a fraudulent collection account, inaccurate personal information, and unauthorized hard inquiries that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security, and proof of current address to support my claim. 

I found a fraudulent collection account reported by XXXX XXXX XXXXXXXX with account number XXXX opened on XX/XX/XXXX, with a balance of {$0.00}. I did not authorize or open this account, and I have no knowledge of it. This account is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed ; 15 U.S.C. 1681s-2 Furnishers must not report inaccurate information ; 15 U.S.C. 1681b No permissible purpose for accessing or reporting this account ; and 15 U.S.C. 1692e Prohibits false or misleading representations in debt collection ( FDCPA ). 

Additionally, my credit report contains inaccurate personal information, including multiple unauthorized name variations and outdated addresses, that do not belong to me. My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. My only correct and current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ( Proof Attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that you update and correct my personal information to reflect only accurate and verifiable data as required by law. 

My Experian credit report also contains unauthorized hard inquiries. According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditors responsible for the inquiries listed below confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. These inquiries were not authorized by me and must be permanently removed. 

Unauthorized Inquiries : 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 XXXXXX/XX/XXXX

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