Consumer complaint received 2025-04-11 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: IN

Complaint narrative:
I initially filed a dispute online with Experian and submitted all necessary proof of identity, including government-issued documentation. Despite this, Experian responded stating that the bankruptcy would remain on my credit report. 

Determined to resolve the issue, I contacted the U.S. Bankruptcy Court in XXXX, New York. After speaking with multiple representatives, I was eventually able to reach a legal attorney who, for a fee of {$30.00}, provided me with a certified letter confirming that there is no bankruptcy record under my name or Social Security number in the state of New York. 

I filed another dispute with Experian, this time including a copy of the certified letter from the U.S. Bankruptcy Court in XXXX, which clearly stated that I have no bankruptcy on record under my name or Social Security number. Following this submission, the bankruptcy was finally deleted from my Experian credit report. 

I returned to XXXX XXXX to reapply for a mortgage. The loan officer informed me that the good news was the bankruptcy had been removed from my credit report. However, the bad news was that several credit cards with outstanding balances had now appeared accounts that are inaccurate and were never part of my credit history. 

I immediately filed another dispute with Experian, not once, but twice, to correct these newly listed balances. Unfortunately, in both instances, the dispute results came back stating that the information would remain. 

This experience has been incredibly stressful. I attempted to contact Experian by phone to speak with a representative directly but was unable to reach a live person to resolve the matter. The lack of transparency and support has only added to the frustration of trying to correct my report and move forward with purchasing a home. 

After dealing with repeated denials and unhelpful responses, I felt completely defeated and unsure of where to turn for legal or financial guidance. Eventually, I reached out to XXXX XXXX  and explained my situation in full. The mortgage lender reviewed my credit report and, to my shock, stated that I would have to pay off the other individuals debts in order to move forward with a loan. The following information is below : There are a few things to consider. 

In order to qualify you need to put 20 % down. 
You need to pay off $ XXXX of debts. See list below : XXXX  { Acct XXXX } $ XXXX {$530.00} payment XXXX  XXXX XXXX XXXX Acct XXXX } $ XXXX {$260.00} payment XXXX XXXX XXXX Acct XXXX } $ XXXX {$270.00} payment XXXX { Acct XXXX } $ XXXX {$240.00} payment Using {$2400.00} annual taxes as estimate and {$1200.00} for insurance Keep in mind, if the seller covers 3 % ( {$7700.00} ) your total estimated cash to close your cash to close will drop to {$75000.00}. 

Hope this helps. 

I was stunned. I firmly explained that I will notand should not be expected topay off someone elses debts due to an error that was not mine. I have worked extremely hard to build and maintain excellent credit. I am a XXXX XXXX I have zero debt, and I consistently pay all my financial obligationsincluding rent, utilities, and credit cardson time. 

The lender then referred me to a credit report specialist, who reviewed my case and advised me to file a formal dispute with the Consumer Financial Protection Bureau, as I had exhausted all normal dispute processes with Experian without resolution.

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