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Investigation took more than 30 days. I am submitting this complaint because the following accounts are reporting on my credit file but none of them belong to me. I never opened these accounts, I have no knowledge of them, and they belong to someone else with the same or similar name. The reporting is inconsistent across bureaus, with different balances, account numbers, and statuses, which is factually incorrect and legally actionable. This is a classic case of mixed-file errors and negligent reporting, exactly what courts have flagged : Cortez v. TransUnion, XXXX XXXX XXXXXXXX, and TransUnion XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Account # CLXXXX ( Experian ), XXXX ( Equifax ), XXXX ( TransUnion ) Balances : Experian {$3500.00}, Equifax {$3200.00}, TransUnion {$3600.00}. Account numb