Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am filing a complaint formally dispute and request the removal of multiple accounts, charge-offs, collections, and inquiries that have appeared on my credit reports without my authorization. I did not open, authorize, or incur these accounts, and their presence on my credit files is the result of identity theft and inaccurate reporting. These fraudulent entries have caused me significant financial and emotional distress, and I request that they be fully investigated and removed under my rights as a consumer.

Among the late and closed accounts inaccurately reported are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2100.00}. These accounts are incorrectly reporting my payment history and status, and their presence violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) as well as FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), which require that all consumer reporting information be accurate and fully verified.

I am also disputing a charge-off reported as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$25000.00}. This account was reported without the required IRS Form 1099-C for debts over {$600.00}, making it unverified and inaccurate under FCRA 607 ( b ).

Additionally, I am disputing a collection account, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$630.00}, which is incorrectly reporting on my credit file. This collection is not mine and violates 605B / 15 U.S.C. 1681c-2 as well as FCRA 611 ( a ) 15 U.S.C. 1681i ( a ).

Several inquiries have also been made on my account without my consent, including XXXX XXXX on XXXX, XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX XXXX  on XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX  on XXXX, XXXX XXXX  XXXX on XXXX, XXXX XXXX  on XXXX, XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX , XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, and XXXX XXXX XXXX on XXXX on XXXX, XXXX on XXXX and XXXX, XXXX on XXXX, XXXX on XXXX and XXXX, XXXX on XXXX and XXXX, XXXX XXXX XXXX on XXXX, XXXX, and XXXX, XXXX on XXXX and XXXX, XXXX on XXXX, XXXX  on XXXX, XXXX on XXXX, XXXX on XXXX and XXXX, XXXX on XXXX, XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. XXXX on XXXX, XXXX XXXX on XXXX, XXXX on XXXX, XXXX on XXXX, XXXX XXXX on XXXX, XXXX on XXXX, XXXX on XXXX, XXXX  on XXXX, XXXX on XXXX, XXXX XXXX on XXXX, XXXX on XXXX, XXXX on XXXX, XXXX on XXXX, XXXX  on XXXX, XXXX on XXXX, XXXX on XXXX, DEPT OF ED on XXXX, XXXX on XXXX, and XXXX XXXX on XXXX. These inquiries were made without my authorization and violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 619 15 U.S.C. 1681q.

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