Consumer complaint received 2025-09-26 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 recently applied for tenancy at a new property that uses XXXX to process potential tenancy screening. XXXX previously reported inaccuracies in XX/XX/2025 related to identity theft. I disputed the information and they remove XXXX of the multiple inaccuracies I disputed. I reapplied to recently for the same property and received a denial. Upon reaching out to the property to ask why, they provided me with the screening report and adverse action letter that XXXX sent to them regarding my screen. XXXX reported severe gross inaccuracies to the property causing the denial. That which was disputed. XXXX was provided multiple police reports and Federal Identity Theft Affidavits in which they completely ignored. They have continued to defame my name and character violating my consumer rights under the Fair Credit Reporting Act. I am moving to file a federal lawsuit against XXXX for damages related to their reporting of these gross inaccuracies of severe late payments, property debts, judgements and severe charge offs. Anything negative reported has been disputed if ample proof to block that information on my screen reports. I have filed a lawsuit already against the credit bureaus and specialty bureaus as they have furnished this information. XXXX is furnished information by Experian, Equifax, and TransUnion. Experian, Equifax, and TransUnion has failed to provide validation to me that these debts are true and correct. They have failed to provide all documents contained within their files to prove the alleged debt belongs to me during the initial investigation and reinvestigation periods. Experian, Equifax, and TransUnion will need to provide all of the following documents, and not refer this request for validation back to the creditor. Experian, Equifax, and TransUnion is the one who is stating this information is valid and verified without any due diligence. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. ( Signature must be original handwriting, no electronic signature are valid ) Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Copy of bond and license to do business in my state and state of where alleged debt was acquired. ( This is the bond and license that your company filed with the Secretary of State where alleged debtor resides. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Experian already stated you verified the debt, now Im demanding these account be deleted within 3 calendar.

I will be adding this to my Exhibit in the lawsuit I have filed against Experian, Equifax, and TransUnion as of XX/XX/2025. I have filed a lawsuit because you have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) and you have failed to comply 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