Consumer complaint received 2025-11-12 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 inaccurate and unverified accounts, as well as unauthorized credit inquiries, are being reported on my credit report by multiple companies. These entries are seriously affecting my credit profile, and despite my attempts to resolve them through the credit bureaus, they remain uncorrected. 
Personal Information Error Wrong Address Reported : XXXXXXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me and should be removed from my credit file. 
Account Disputes XXXX  XXXX Acct # XXXXXXXX XXXX High Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : This account is inaccurately showing late payments. I have never made late payments on this account. Please correct the payment history to show on-time payments. 
XXXX Acct # XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : This account is incorrectly listed as a charge-off. I have no knowledge of this being charged off, and I request deletion if it can not be verified. 
XXXX XXXX XXXX XXXX Acct # XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Dispute Reason : Reported as a charge-off with {$0.00} balance. This is inaccurate and must be corrected or deleted. 
XXXX Acct # XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : This account is reported as charged off. I have no knowledge of this debt and request deletion if not verifiable. 
XXXXXXXX XXXX Acct # XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrectly marked as charge-off. Please verify or delete this record. 
XXXX Acct # XXXXXXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Account reported as charged off, which is inaccurate. Please remove if it can not be verified. 
XXXX Acct # XXXXXXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Account showing charge-off status incorrectly. Please verify or delete. 
XXXX XXXX XXXX  Acct # XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Dispute Reason : Account reported as charge-off, which I do not recognize. Request removal if unverifiable. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrectly listed as a charge-off. I have no knowledge of this account being charged off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} Date Opened : XX/XX/XXXXXXXX XXXX Reason : Incorrect charge-off notation. Please investigate and correct. 
XXXX Acct XXXX XXXXXXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Incorrectly reported as a charge-off. Please investigate and remove if unverified. 

XXXX XXXX Acct # XXXXXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Dispute Reason : This account is incorrectly reported as a charge-off. I have no record or knowledge of this account being charged off. Please verify or delete if unverifiable. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$37000.00} Date Opened : XX/XX/XXXX Dispute Reason : The account shows late payments, which are inaccurate. I have always made timely payments. Please correct the payment history to reflect on-time payments. 
XXXX Acct # XXXX XXXX High Balance : {$50.00} Date Opened : XX/XX/XXXX Dispute Reason : Reported as a charge-off, but I do not recognize this account. Please verify or delete if unsubstantiated. 
XXXX  XXXX Acct # XXXX High Balance : {$180.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Account listed as a charge-off, which is incorrect. Please investigate and remove if unverifiable. 
XXXX XXXXXXXX Acct # XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Reported as charge-off. I have no knowledge of this account. Please verify or delete. 
XXXX XXXXXXXX Acct # XXXX High Balance : {$340.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Account showing charge-off status in error. Please correct or remove. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : This collection account is not recognized. Please verify ownership and validation, or remove it. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/XXXX Dispute Reason : Inaccurate collection account. I do not recognize this debt. Please verify or delete if unverifiable. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Dispute Reason : Appears to be a duplicate of another account already listed. Please remove duplicates or unverifiable entries. 
XXXX XXXX  Acct # XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Dispute Reason : Collection account listed in error. Please verify its validity or remove it. 
XXXX XXXX XXXX  Acct # XXXXXXXX XXXX High Balance : {$9100.00} Date Opened : XX/XX/XXXX Dispute Reason : I have no knowledge of this account or any rental debt. Please verify or delete if unverified. 
XXXX XXXX Acct # XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXXXXXX  Dispute Reason : Reported as a collection, but I have no knowledge of this debt. Please verify or remove it if it can not be validated. 
Inquiry Disputes These inquiries were made without my knowledge or authorization. They appear to be unauthorized and should be removed from my credit file immediately. 
XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX. Inquiry Date : XX/XX/XXXXXXXX  Dispute Reason : These inquiries were not authorized by me. I did not apply for credit with these entities. Please remove all unauthorized inquiries from my credit report. 
Requested Resolution : I request that the CFPB require the credit bureaus and data furnishe

rs to : Conduct a full reinvestigation of all listed accounts and inquiries. Provide me with documented proof and vali
dation of each account. 
Delete any unverifiable or unauthorized information from my credit report. 
Summary : These inaccurate and unauthorized items are harming my credit standing and causing financial distress. I am requesting the CFPBs assistance to ensure the furnishers and credit reporting agencies comply with all provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
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