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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate information reported on my credit reports. I am a victim of identity theft and severe misreporting, resulting in fraudulent accounts, incorrect addresses, and unauthorized hard inquiries appearing across all three major credit bureaus. I did not authorize any of these entries, and they are causing substantial harm to my credit standing and personal well-being. Below are the specific items I am disputing : Account : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : I did not open this account and was unaware of its existence until I reviewed my credit report. I have never held or used any credit card under XXXX XXXX with this account number. This account was opened and used fraudulently by an unknown party without my knowledge or consent. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, a consumer has the right to block the reporting of any information that is a result of identity theft. Also, under the Fair and Accurate Credit Transactions Act ( FACTA ), the credit bureaus are required to remove fraudulent accounts from my report upon proper identification and dispute. 
Story : I am a victim of identity theft. I never applied for any credit with XXXX XXXX in XXXX, nor did I authorize anyone to do so on my behalf. I was not made aware of this fraudulent activity until I saw the charge-off on my credit report. I have faced severe consequences including denials for new credit, emotional stress, and financial hardship. This fraudulent charge-off is damaging my financial credibility and should be removed immediately from all three credit bureaus. I have never had any interaction or correspondence with XXXX, nor did I ever receive statements, cards, or bills. I respectfully demand this fraudulent item be permanently removed from my credit profile. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$26000.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : I did not open this auto loan or financing account with XXXX XXXX XXXX. I have never owned, leased, or financed any vehicle through XXXX XXXX XXXX. This is an unauthorized and fraudulent account linked to my identity without my consent. 
Law : Under the Fair Credit Billing Act and FCRA 1681c-2, consumers are protected from liability for accounts opened fraudulently. I am exercising my rights to request a full deletion of this account from all credit reports.

Story : I became aware of this account only after reviewing my credit reports. This vehicle loan for over {$26000.00} is entirely unauthorized. I never provided my identity or personal details to XXXX XXXX XXXX or any dealership that could have facilitated this account. I have suffered significant emotional and financial stress from this inaccurate charge-off, and I am now unable to qualify for legitimate credit offers. The fraudulent use of my name and information has caused irreparable damage. This account is clearly a result of identity theft and must be removed.

Wrong Address : ( If you have more addresses, please list them individually with this format ) Example : XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have never lived, worked, or received mail at this address. This location is unfamiliar to me and was falsely added to my credit report without my knowledge.

Law : Under FCRA Section 611 ( 15 U.S.C. 1681i ), the consumer has the right to dispute inaccurate information, including addresses, and the credit reporting agencies must investigate and remove unverifiable data.

Story : I am the sole user of my Social Security Number and identity. I have never resided in XXXXXXXX XXXX, a

nd have no connection with this address. This address appearing on my credit file is a result of identity theft and is being used to fraudulently associate false accounts with my profile. This has caused confusion, concern, and reputational damage. I demand immediate deletion of this unverifiable and incorrect address from all credit bureaus. Conclusion : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I am requesting the immediate investigation and permanent deletion of all inaccurate, fraudulent, and unauthorized items listed above. These items are false, damaging, and were added to my credit report without lawful purpose or consent. I respectfully request that the CFPB take urgent action to hold the reporting agencies and furnishers accountable for these violations. I am attaching this complaint along with supporting documents and plan to report the matter to the FTC and local authorities.

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