Consumer complaint received 2026-07-05 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 submitting this complaint regarding the continued reporting, furnishing, publication, processing, and verification of inaccurate, incomplete, misleading, unverifiable, and legally noncompliant information on my consumer report. The conduct described herein constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to FCRA 602, 604, 607 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( B ), 623 ( a ) ( 2 ), 623 ( a ) ( 8 ), 623 ( b ), 605B, and all applicable federal consumer protection requirements. The furnisher and/or consumer reporting agency has failed to maintain reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( b ), failed to conduct a lawful and reasonable reinvestigation under FCRA 611 ( a ), failed to review all relevant information submitted by the consumer, failed to properly identify the source and method of verification, failed to provide competent evidence supporting the continued reporting of the disputed information, and continued to publish information that is inaccurate, misleading, incomplete, and damaging. The continued reporting of disputed information without competent documentary evidence raises serious concerns regarding compliance with FCRA 607 and 611, the Fair Debt Collection Practices Act where applicable, the Consumer Financial Protection Act, and all related federal and state consumer protection statutes. Upon information and belief, the furnisher and/or consumer reporting agency has engaged in automated, superficial, and legally deficient dispute processing practices rather than conducting the reasonable investigation required by law. The reporting of information that can not be fully verified through original business records, account-level documentation, complete payment history records, signed contracts, and competent evidentiary support is unlawful and must cease immediately. The burden of accuracy rests upon the reporting entity and not upon the consumer. Any representation that disputed information has been verified without providing a lawful basis for such verification is insufficient under the FCRA. Furthermore, any failure to correct, delete, suppress, or block inaccurate information after receiving notice of dispute constitutes continued publication of potentially false information and exposes the responsible parties to liability for negligent and willful noncompliance under FCRA 616 and 617. The continued reporting of inaccurate information causes substantial harm, including damage to reputation, loss of credit opportunities, higher interest rates, denial of housing opportunities, emotional distress, and financial injury. I demand a complete CFPB-supervised investigation, disclosure of all procedures used to verify the disputed information, identification of every party involved in the verification process, disclosure of the date and method of verification, disclosure of all records relied upon during the investigation, and immediate deletion of any information that can not be fully substantiated through competent documentary evidence. If the information can not be verified in strict compliance with federal law, it must be permanently deleted and removed from all consumer reporting databases. I further request that the CFPB require the responsible entities to fully comply with all obligations imposed under the Fair Credit Reporting Act, the Consumer Financial Protection Act, and all applicable federal and state consumer protection laws and regulations. The only acceptable resolution is the immediate deletion, correction, suppression, or permanent removal of all inaccurate, incomplete, misleading, unverifiable, or unlawfully reported information and full compliance with all consumer protection requirements.

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