Consumer complaint received 2025-12-04 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 creditors and bureaus are reporting accounts and derogatory information that I have no knowledge of and never authorized, and these furnishers have violated multiple sections of the FCRA by failing to maintain accurate, complete, and verifiable information. I have repeatedly requested proper investigation, yet the furnishers continue reporting unverified charge-offs, collections, and false late payments. These errors are severely damaging my credit profile and causing ongoing financial harm, and the reporting violates FCRA 602, 607 ( b ), 611, 609, and 623 ( a ) ( 1 ) ( A ) because the information is neither accurate nor verifiable. I am requesting immediate investigation and deletion/correction of all inaccurate items listed below. 

XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$26000.00} Status : Late Payment The reported late payment history is inaccurate because I have never made a late payment to this creditor. Reporting inaccurate payment history violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I am requesting full correction of the payment history. 
FCRA 602, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$580.00} Status : Late Payment This late payment is inaccurate because I have never been late on this account. Furnishers must report complete and accurate information, and this violation must be corrected immediately.

FCRA 602, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$780.00} Status : Charge-Off I have no knowledge of this account and never authorized it, and the furnisher has failed to verify ownership or provide any documentation proving this account belongs to me, violating FCRA requirements for data accuracy and proper reinvestigation. This unverified charge-off is causing financial harm and must be deleted.

FCRA 602, 607 ( b ), 609, 611, 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$570.00} Status : Charge-Off This account is not mine and was never opened or authorized by me, and XXXX XXXX has failed to produce any original signed documents proving I am responsible for this account. Reporting unverified and inaccurate information violates multiple FCRA provisions and must be deleted immediately.

FCRA 602, 607 ( b ), 609, 611, 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX High Balance : {$82000.00} Status : Charge-Off I have no knowledge of this account, never obtained any such auto loan, and the amount reported is completely unfamiliar and unverified. The furnisher has failed to provide proof of ownership or any original agreement, violating my right to accurate and verifiable reporting under federal law. This account must be deleted. 
FCRA 602, 607 ( b ), 609, 611, 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1400.00} Status : Collection I have no knowledge of this alleged debt. No validation or proof of ownership was provided, and the reporting is unverifiable and inaccurate. I request deletion of this unverified collection. 
FCRA 602, 607 ( b ), 609, 611, 623 ( a ) ( 1 ) ( A ) I am requesting that CFPB compel the furnishers to provide documentation proving these accounts belong to me or immediately delete the unverified charge-offs and collections and correct the inaccurate late payments. The continued reporting of unverified, inaccurate, and misleading information violates my consumer rights and is causing ongoing harm. I request a full investigation and 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