Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint due to multiple accounts, addresses, and credit inquiries fraudulently listed on my credit report. I am a victim of identity theft, and these items are not connected to me. These errors are causing severe and ongoing damage to my credit profile and financial stability. This complaint supports my ongoing case and adds new evidence. 
XXXX XXXX XXXX High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Issue : I did not authorize this account and was unaware of its existence until I checked my credit report. 
Law : FCRA Section 605B requires removal of identity theft-related data. 
Story : I have never applied for a XXXX card, and I believe this account was fraudulently opened using my stolen identity. Despite disputing it, the account remains and is reporting a charge-off, severely damaging my score. 
XXXX XXXXXXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : This loan is not mine. I have never received funds from XXXX or authorized them to open any account. 
Law : FCRA Section 623 ( a ) ( 5 ) Furnishers must report accurate information. 
Story : I believe this is part of a larger identity fraud scheme. I am the sole victim and am facing the consequences for something I did not do. 
XXXX XXXX XXXX XXXX High Balance : {$2300.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : I did not open this loan nor did I apply to Upstart. 
Law : FCRA & FACTA Section 609 ( e ) Right to block fraudulent data. 
Story : These late payments have triggered denials for rental applications and loan denials, although I never used or signed up for this service. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : Incorrect reporting of student loan payments, which are inaccurate. 
XXXXaw : FCRA Section 611 Right to dispute and correct inaccurate data. 
Story : My federal loan accounts were transferred several times and mishandled. I was in deferment/forbearance, yet late payments were reported, which is not accurate. 
XXXX XXXXXXXX XXXX High Balance : {$320.00} | Date Opened : UNKNOWN ( shows {$210.00} ) | Status : Late Payments Issue : Inaccurate payment history and balance inconsistencies. 
Law : FCRA Section 623 Duty to investigate and correct errors.

Story : This account was either misreported or part of the fraudulent access of my federal loan records. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$17000.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : I did not initiate or authorize this account. 
Law : FCRA Section 605B Identity theft victim rights.

Story : This auto or personal loan is completely unfamiliar to me. This is causing significant distress and interfering with my ability to get approved for housing and credit. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$640.00} | Date Opened : XX/XX/XXXX | Status : Collection Issue : I never received any services nor any notice from IC System. 
Law : FDCPA and FCRA both require validation of debt.

Story : I have no knowledge of this account, and it was added very recently in XXXX. It appears to be part of fraudulent collection activity under my name. 
XXXX XXXX High Balance : {$670.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : Unfamiliar credit card ; I never opened or used it. 
Law : FCRA Section 605B and FACTA identity theft protections apply.

Story : This XXXX XXXX XXXX does not belong to me. I never applied for a XXXX XXXX account. Its reporting is harming my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : Recently opened, unauthorized account. 
Law : FCRA Section 609 ( e ) Right to block fraudulent accounts.

Story : This is a fraudulent entry opened under my name without my knowledge. It was reported shortly after I was alerted to suspicious activity on my credit. 
XXXXXXXX XXXX  High Balance : {$4100.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : This account is fraudulent and opened during a time when I was already under investigation for identity theft. 
Law : FCRA & Identity Theft Enforcement Act Must remove fraudulent accounts. 
Story : I have never applied for any loan with XXXX or XXXX. Ive already submitted a fraud affidavit, but the account remains active on my report. 
RELIEF REQUESTED : I respectfully ask the CFPB to investigate these fraudulent accounts, inquiries, and addresses. I demand : Immediate deletion of these unauthorized addresses and accounts from my credit reports.

Investigation and removal of all listed unauthorized hard inquiries.

Verification of all accounts under FCRA and FDCPA compliance.

Penalties imposed on any furnishers or entities who failed to comply with federal law. 
These errors and fraudulent items are not only harming my financial stability but also affecting my mental well-being. I request urgent intervention from your office to help me restore my credit profile and ensure no further fraudulent activity affects me.

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