Consumer complaint received 2025-11-18 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 inaccurate, unverified, duplicate, and unauthorized items are being reported on my credit report by the credit bureaus and several data furnishers. These accounts and inquiries do not belong to me, were never authorized by me, were never validated, and are being reported in violation of FCRA 15 USC 1681i, 1681e ( b ), 1681s-2, and FCRA 604. I have attempted to dispute these items with the bureaus, but they continue to appear without any proper investigation or documentation. These inaccurate items are severely damaging my credit, preventing me from obtaining housing, transportation, and financial stability. 
XXXX XXXX XXXX XXXX TX XXXX WRONG ADDRESS This is a completely incorrect address, I never lived there, never used it for any purpose, and it should not be appearing on my report, remove immediately because this mixed-file error is harmful and unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX WRONG ADDRESS This address does not belong to me and its presence on my credit report is proof of identity confusion and inaccurate reporting, therefore it must be removed immediately to comply with FCRA 609 ( A ). 
XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * I have never made any late payments on this account, your reporting is completely inaccurate and damaging, therefore you must correct this entry to NEVER LATE because you can not report false late history under federal law. 
XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} LATE PAYMENT ( FALSE ) * * This late payment status is false and unverifiable, I always paid on time and you have no documentation proving otherwise, therefore I demand immediate correction to NEVER LATE. 
XXXX XXXX XXXX Acct XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} CHARGE OFF ( NOT MY ACCOUNT ) * * I have no knowledge of this account, never applied, never opened anything with this company, and there is no possible contract or agreement connected to me, therefore this entire account must be deleted because it is fraudulent and unverifiable. 
XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * I was never late on this account, the reporting is inaccurate and must be corrected because false negative payment history is illegal to report under FCRA 607 ( B ). 
XXXX XXXX XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This is a false late payment entry, I was never delinquent and your records are incorrect, therefore you must correct this immediately. 
XXXX XXXX XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This late payment report is inaccurate, not supported by any documentation, and must be corrected to reflect my proper on-time history. 
XXXX XXXX Acct XXXX * Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * You are reporting a late payment that never occurred, this is harmful and must be corrected to maintain accuracy. 
XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT ( FALSE ) * * This late payment reporting is false and I dispute it entirely, I was never late and you must correct this. 
XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$34.00} LATE PAYMENT ( FALSE ) XXXX XXXX  This late payment entry is inaccurate, I never paid late and you are required to correct this immediately. 
XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$17.00} LATE PAYMENT ( FALSE ) * * I was never late on this loan, this is a completely inaccurate late payment and you must correct this item because you are reporting false delinquency that violates federal law. 
XXXX XXXX XXXX XX/XX/XXXX ( UNAUTHORIZED ) I never gave consent for this hard inquiry and did not open any credit application, therefore this must be removed immediately. 
XXXX XXXX XXXX XX/XX/XXXX ( UNAUTHORIZED ) Another unauthorized inquiry, I did not apply for anything, remove immediately under FCRA XXXX XXXX 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not authorize this hard pull, did not apply for financing, therefore this must be removed because it is harming my credit. 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) This inquiry was not authorized by me, I did not initiate any application and demand immediate removal. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not apply for any auto financing or credit with XXXX, this inquiry must be removed immediately. 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) Unauthorized, no permission, no application made remove immediately. 
XXXX XXXXXXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) This inquiry is false and I did not consent to it, remove immediately. 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not authorize or request any credit, therefore this inquiry is invalid and must be deleted. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) This hard inquiry was not done with my permission and must be removed under FCRA rules XXXX 
XXXX XXXX Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I never applied for any XXXX credit line on this date, therefore this inquiry must be deleted because it is unauthorized. 
XXXX  Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not apply for any loan with OneMain, and this hard inquiry was done without my consent and must be removed. 
XXXX XXXX XXXX  Inquiry XX/XX/XXXX ( UNAUTHORIZED ) I did not apply for this credit card and this inquiry is false, remove it immediately. 
I am requesting the CFPB to force the credit bureaus and the furnishers to provide full validation and documentation for each of these accounts and inquiries. If they can not provide legal and verifiable proof, I am requesting that all the listed items be permanently deleted from my credit file. I need this corrected immediately because these errors are blocking me from obtaining essential credit and causing personal and financial harm.

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