Consumer complaint received 2025-11-24 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 multiple companies and the credit bureaus are reporting inaccurate, unverified, unauthorized, and false information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have repeatedly disputed these items with the credit bureaus, but they have failed to conduct a lawful reinvestigation or provide validation. The accounts below are not mine, not authorized, never validated, or incorrectly reported, yet they remain on my report. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been mine and has XXXX connection to me. I never lived here, never used this address, and it must be removed immediately as it violates FCRA 605B. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Completely incorrect address. I have no association with this location. This reporting is negligent and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment You are reporting a late payment that never occurred. I was never late, and there is no proof showing otherwise. Correct the payment history to on-time immediately under FCRA 607 ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Charge Off I have no knowledge of this account, never opened it, never authorized it, and do not recognize this alleged debt. Provide full validation or delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Charge Off This account is unfamiliar, inaccurate, and has no supporting documents proving I opened or used it. Remove this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$9800.00} Late Payment These late payments are false. I was never late, and your reporting has no evidence. Correct the history to reflect on-time payments. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late Payment You are inaccurately reporting late payments. I did not make late payments and demand immediate correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Charge Off I have no knowledge of this account. You are reporting a charge-off that does not belong to me. Provide contract, signature, proof of ownership otherwise DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment There is no valid reason for a late payment to be listed because I was never late. This reporting is inaccurate and must be fixed immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection This alleged collection is not mine, and no debt collector has provided any validation. Remove immediately under FDCPA XXXX ( b ) + FCRA 611. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Collection I have no connection to this debt. XXXX has not validated anything. This is unverifiable, inaccurate, and must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Collection I do not recognize this alleged collection. I never opened any account with XXXX  never authorized any contract, and have no connection to this debt. This is inaccurate, unverified, and must be deleted immediately under FCRA 611 and FDCPA 809 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection Another LVNV account that I do not know, do not own, and did not authorize. This appears to be identity mix-up or inaccurate reporting. Delete immediately unless full legal evidence is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection This is yet another fraudulent XXXX  entry. I never opened this account and XXXX has failed to validate anything. This item is unverified and must be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Collection I do not recognize this XXXXXXXX XXXX XXXX I never received any verification notice. This is unverified, inaccurate, and must be deleted under FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection This XXXX XXXX is inaccurate. I do not owe this debt, and XXXX has not provided any proof or validation. This account must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Collection I have XXXX knowledge of this alleged collection. No written validation or proof has ever been provided by any collector. This is illegal unverified reporting and must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Collection I do not know this Portfolio account. I never authorized it, never owed it, and no collector sent any verification. This is unverified data and must be removed. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry This inquiry was not authorized by me. I never permitted any pull by this company. This is an FCRA violation and must be deleted. 
XXXX XXXX XXXX Date : XX/XX/XXXX Hard Inquiry Duplicate unauthorized inquiry. I did not authorize this access. Remove it now. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Duplicate unauthorized Chase inquiry. This is inaccurate reporting. Delete immediately. 
I am requesting that the CFPB take immediate action to force the credit bureaus and the furnishers to : 1. Fully investigate these accounts and inquiries as required by FCRA 611.

2. Provide complete validation, including original signed contracts and full account documentation. 
3. Delete all accounts and inquiries that can not be fully verified.

4. Penalize furnishers that are reporting false, inaccurate, or unverified information.

5. Ensure compliance with FCRA and FDCPA requirements. 
These errors are damaging my credit, affecting my ability to obtain housing, transportation, and financial stability. I am requesting immediate intervention and a full investigation by the Consumer Financial Protection Bureau.

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