Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Issue Type : Credit reporting Incorrect information on your report Information belongs to someone else/ Not mine / Inaccurate account / Incorrect inquiry Description of the Problem : I am filing this complaint due to multiple inaccurate, unverified, and unauthorized accounts and inquiries being reported by the three major credit reporting agencies ( Experian, Equifax, and TransUnion ). I have previously submitted formal written disputes to each bureau in accordance with the Fair Credit Reporting Act ( FCRA ) and provided all necessary identity verification documents. 

Despite this, many of the following accounts remain unresolved, improperly verified, or not removed : 1. Disputed Collection Accounts : XXXX XXXX  Account # XXXX {$360.00} XXXX XXXX XXXX ( Collection Management ) Account # XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX {$2000.00} These debts are either not mine, not validated, or were assigned incorrectly. The bureaus have failed to provide proper investigation or proof under 15 U.S.C. 1681i and 1681s-2.

2. Negative Accounts in Question : I also dispute several negative tradelines that appear on my credit report without proper validation or that are inaccurately reporting. These include : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX separate accounts ) XXXX XXXX  I have requested validation of these accounts but have not received appropriate responses within the required time frame under the law. 

3. Hard Inquiries Without Authorization : Additionally, my credit report shows inquiries that I did not authorize : Security Finance XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries were made without my consent and do not relate to any applications I submitted. As such, they may violate 15 U.S.C. 1681b ( Permissible Purpose ).

What I Am Requesting : Full and lawful reinvestigation of all disputed items Deletion of any account or inquiry that can not be verified in writing Written response from the credit bureaus with results of investigation Enforcement of FCRA regulations on credit bureaus and furnishers Updated copy of my credit report showing corrections Steps Already Taken : Sent certified dispute letters to all XXXX credit bureaus Provided supporting identity documentation Gave bureaus 30 days per FCRA to respond No sufficient verification or corrections have been made Desired Resolution : Immediate removal of inaccurate, unverifiable, and unauthorized information Written confirmation of completed dispute resolution Bureau compliance with FCRA timelines and requirements Thank you for reviewing this matter. I respectfully request that the CFPB investigate and hold the credit reporting agencies accountable under the law. 

Sincerely, XXXX XXXX

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