Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14845614
Complaint Overview
Complaint ID: 14845614
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19143
Date Received: 2025-07-23T12:00:00-05:00
Date Sent to Company: 2025-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain multiple inaccurate, obsolete, and unverified accounts that I have disputed numerous times without resolution. These items are severely damaging my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 1. Inaccurate Personal Information My credit reports list incorrect aliases such as XXXX XXXX XXXX and XXXX XXXX XXXX. Several outdated and incorrect addresses appear that I have never lived at or have not resided at in many years, including : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX, NJ DOB is reported as only XXXX, and multiple inaccurate employers are listed. Violation : FCRA 1681e ( b ) failure to ensure accuracy of identifying data. 2. Inaccurate and Unverified Accounts I have disputed the following accounts and requested verification or deletion, but they continue to be reported across multiple credit bureaus : XXXXXXXX XXXX Account # : XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( via XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX These accounts are either obsolete, inaccurately reported, or unverifiable. I never received notices from any of these debt collectors, nor have I received proper debt validation. Violations : FCRA 1681i failure to reinvestigate and correct disputed info FDCPA 1692g failure to validate debts upon written request FCRA 1681b no permissible purpose for reporting 3. Unauthorized Credit Inquiries I did not authorize the following hard pulls, and they were made without my written consent : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) TransUnion : XXXX XXXX ( XX/XX/XXXX ) Violation : FCRA 1681b inquiries require a permissible purpose and my authorization. Despite submitting formal dispute letters dated XX/XX/XXXX, with supporting documentation, the bureaus have failed to properly investigate and correct the records as required under federal law. This has resulted in ongoing damage to my creditworthiness and financial harm.
Frequently Asked Questions
What is Complaint #14845614 about?
Complaint #14845614 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-23T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.