Consumer complaint received 2025-12-16 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 submitting this complaint to request assistance regarding inaccurate and unverified information that continues to be reported on my consumer credit report. Despite my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the furnishers and reporting agencies have failed to ensure maximum possible accuracy. The following accounts and inquiries are being reported incorrectly and require immediate review and corrective action. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$29000.00} Status : Late Payment. This account is reporting late payment history that is inaccurate. I have reviewed my records and I did not make late payments as reported. The payment history does not accurately reflect my actual account performance. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report accurate information. I am requesting that the late payment history be fully investigated and corrected to reflect an accurate payment record. I am not requesting deletion of this account, only correction of the inaccurate late payment history. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3100.00} Status : Charge Off. I have no knowledge of this account as reported. This account is not mine, and I do not recognize or authorize the reported charge-off. Under FCRA 1681e ( b ) and 1681i, information must be complete, accurate, and verifiable. Please conduct a full reinvestigation and delete this account if it can not be properly verified with competent evidence. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2100.00} Status : Charge Off. I do not have knowledge of this account as reported. This account does not belong to me, and I dispute the charge-off status in its entirety. If this account can not be verified with original creditor documentation, it must be deleted from my credit file. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$10000.00} Status : Charge Off. I have no knowledge of this account and do not recognize it as mine. The reporting of this charge-off is inaccurate and unverified. Under the Fair Credit Reporting Act, unverifiable information must be deleted. I am requesting full reinvestigation and removal if proper verification can not be produced. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status : Collection. This account appears to be a duplicate of the previously reported XXXX account with the same balance and account number. I have no knowledge of this account and it is not mine. Reporting duplicate collection accounts is inaccurate and misleading. Please investigate for duplication and remove this account if it can not be verified as accurate and non-duplicative. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$7800.00} Status : Collection. I have no knowledge of this account and do not recognize it as belonging to me. This collection account is being reported without proper verification. If XXXX XXXX XXXX can not provide competent evidence that this account belongs to me, it must be deleted from my credit report in accordance with the Fair Credit Reporting Act.

I am requesting that the CFPB review this matter and require the involved parties to fully comply with the Fair Credit Reporting Act by conducting proper reinvestigations, correcting inaccurate information, and deleting any item that can not be verified. I am seeking written confirmation that these inaccuracies have been addressed and resolved in accordance with federal law.

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