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: LA

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. 
XXXXXXXX XXXX XXXXXXXX XXXX * Date Opened : XX/XX/XXXX Charge Off * * Issue : I did not open this account and believe it was created using stolen identity credentials. 
Law : Under FCRA 609 ( a ) ( 1 ), I have the right to all information in my credit file. The Fair and Accurate Credit Transactions Act ( FACTA ) 152 allows blocking of identity theft entries.

Story : This account went into charge-off without my knowledge or consent, causing significant credit damage. I have attempted to contact XXXXXXXX XXXX  without resolution. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Charge Off * * Issue : This charge-off account is unfamiliar and unauthorized. 
Law : FCRA 611 allows consumers to dispute inaccurate or unverifiable items. 
Story : I never applied for or received credit from this institution. This entry appeared only after I was made aware of suspicious activity on my credit. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment * * Issue : I have previously disputed this account. These reported late payments are inaccurate and tied to fraudulent use. 
Law : FCRA 602 mandates accurate and fair credit reporting.

Story : This account may have been compromised. Despite previous complaints, it continues to reflect derogatory marks that are misleading and harmful. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off * * Issue : I never opened this account. 
Law : FACTA permits the blocking of accounts resulting from identity theft. 
Story : I have repeatedly been targeted with fraudulent applications in my name. I am concerned that this reflects systemic misuse of my information. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment * * Issue : This account may be duplicated or altered. The late payments were not authorized by me. 
Law : FCRA 611 requires proper investigation upon dispute.

Story : The inconsistencies with multiple XXXX XXXX entries indicate account manipulation or identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off Issue : Fraudulent account. I have no relationship with XXXX XXXX. 
Law : FCRA 605B mandates removal of identity theft-related accounts.

Story : This high balance charge-off has seriously damaged my credit profile. I was never notified, contacted, or verified for this account. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Charge Off * * Issue : Fraudulent and unauthorized.

Law : FCRA 605B provides authority to block such accounts. 
Story : I have no history with XXXX and never received this loan. This account negatively impacts my debt-to-income ratio. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Late Payment * * Issue : I did not open or use any credit with this merchant. 
Law : FCRA mandates accurate reporting and allows consumer challenges. 
Story : This entry likely resulted from identity misuse in the Louisiana area. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Late Payment * * Issue : I did not authorize this auto loan. 
Law : FCRA 623 ( b ) requires creditors to investigate disputes fully and accurately. 
Story : A fraudulent car loan was placed under my name. This account is harming my financial standing. 
XXXX XXXX ( Multiple Accounts ) Issue : The following XXXX accounts were fraudulently opened and charged off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law : FACTA allows victims to block any account resulting from identity theft. 
Story : Over XXXX XXXX accounts have been fraudulently opened using my stolen data. These accounts were never authorized by me, and I have reported identity theft multiple times with evidence. These are clear signs of synthetic identity fraud targeting me. 
XXXX XXXX XXXX  XXXX Collection XXXX XXXX Issue : I was not notified of this collection nor did I owe this debt. 
Law : FDCPA 809 requires proper debt validation.

Story : This collection stems from a fraudulent account that I have already disputed. No proof of debt has ever been provided. 
XXXX XXXX XXXX XXXX * * Issue : This is an inaccurate and unvalidated debt. 
Law : Under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA 609, I have the right to dispute and request verification. 
Story : I have no knowledge of this debt. My identity has been compromised, and this account is another instance of unauthorized activity. 
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