Consumer complaint received 2025-07-17 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: MO

Complaint narrative:
Dear CFPB Officer, I am writing to formally submit a consumer complaint regarding multiple inaccuracies and legal violations found on my credit report. I am a victim of identity theft and unauthorized reporting practices, which have caused severe and ongoing financial and emotional distress. Despite repeated attempts to correct these records, the credit bureaus and furnishers have failed to take proper corrective action. 
Please find the details below, categorized under incorrect addresses, unauthorized accounts, and unauthorized inquiries. I am requesting immediate investigation and corrective action in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
XXXX XXXX * | HIGH BALANCE : {$2300.00} | DATE OPENED : XX/XX/XXXX CHARGE-OFF * * Issue : I have never opened this account. The charge-off reported is false and extremely damaging to my credit. 
Law : FCRA XXXX allows me to request all information related to this account including application documents. FDCPA XXXX requires full validation of debt. 
Story : I have no contract, statement, or relationship with XXXX for this account. I believe this could be identity theft or file mixing. The fact that it was charged off and added to my report without my knowledge is deeply disturbing. I demand that this be deleted unless original signed documentation is presented XXXX XXXXXXXX XXXX HIGH BALANCE : {$1700.00} | DATE OPENED : XX/XX/XXXX LATE PAYMENT * * Issue : The late payment reporting is inaccurate and unjustified. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits the reporting of information known to be inaccurate or unverifiable. 
Story : I have not received any billing notice for this account. I did not authorize this credit. I suspect this was opened fraudulently or mistakenly reported under my profile. The presence of late payments on this false or unfamiliar account severely affects my credit XXXX and financial reputation XXXX XXXX XXXX XXXX HIGH BALANCE : {$590.00} | DATE OPENED : XX/XX/XXXX LATE PAYMENT * * Issue : I am disputing the reported late payments. 
Law : Under FCRA 611 ( a ), I have the right to challenge any information and demand evidence of its accuracy. 
Story : I never received notification or correspondence from XXXX XXXX. I never agreed to or signed for this accouXXXX XXXX XXXX XXXX XXXX fraudulently opened or incorrectly reported. These late payments are degrading my score and making it harder to get approved for necessary financial services XXXX XXXX XXXX XXXX XXXX XXXX  | HIGH BALANCE : {$1200.00} | DATE OPENED : XX/XX/XXXX LATE PAYMENT * * Issue : The account is unfamiliar, and the late payment history is inaccurate. 
Law : FCRA 604 restricts access to credit reports unless there's a permissible purpose. FDCPA 807 forbids the false representation of debt. 
Story : I do not recall opening this account or receiving any statements from XXXX XXXX. I have not received any due notices, yet it reflects delinquencies. I fear this is a result of identity mix-up or fraud. This account must be verified and, if unverifiable, deleted XXXX XXXX XXXXXXXX XXXX  | HIGH BALANCE : {$18000.00} | DATE OPENED : XX/XX/XXXX LATE PAYMENT * * Issue : The account and its negative reporting are incorrect. 
Law : FCRA 609 requires complete documentation for any disputed account. 
Story : I have no knowledge of this auto loan and no documentation proving that I applied for, received, or made payments on it. Its inclusion is likely due to a mistaken file merge. This has led to denial of financing and emotional distress. Immediate deletion is necessary XXXX XXXX XXXX XXXX | HIGH BALANCE : {$3400.00} | DATE OPENED : XX/XX/XXXX CHARGE-OFF * Issue : This charge-off is completely unauthorized and invalid. 
L

aw : FDCPA 809 requires full debt validation before negative reporting. Story : I was never conta
cted about this debt, and I did not enter into any agreement with this company. I never received any notice of this account becoming delinquent or charged-off. Reporting a debt I didnt incur is deeply harmful and must be addressed immediately XXXX XXXXXXXX LATE PAYMENTS ( MULTIPLE ) High Balances : {$250.00}, {$3700.00}, {$2000.00}, {$2600.00}, {$3500.00} Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Issue : I dispute all late payment records on these accounts. 
Law : FCRA 623 and the Higher Education Act require accuracy and proper servicing communication before negative reports. 
Story : These loans are more than a decade old. Ive received no recent communication about them, and no attempt has been made to resolve them properly. Some may have been transferred or paid off years ago. These late entries now appear to be inaccurately hurting my score. I request full account-level documentation. If not validated, delete these entries XXXX XXXX XXXX XXXX XXXX | HIGH BALANCE : {$52000.00} | DATE OPENED : XX/XX/XXXX LATE PAYMENT Issue : This account is false and was never opened by me. 
Law : FCRA 611 ( a ) allows me to dispute inaccurate information.

Story : This account is recent and reflects a large balance and negative payment history I have no knowledge of. I suspect identity theft or cross-reporting error. I have never applied for this loan or received any documents. Please remove this account unless original agreement and proof of identity can be produced UNAUTHORIZED INQUIRIES ( HARD PULLS ) All the following inquiries were made without my knowledge or consent, which is illegal XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : These hard inquiries appeared on my credit report, but I did not initiate or authorize any of them. 
Law : FCRA 604 states that a hard inquiry may only be conducted when the consumer initiates a transaction or gives explicit permission.

Story : These inquiries are damaging my credit and giving lenders the false impression that I am shopping aggressively for credit. In reality, I was not involved in any transaction or agreement with these companies. These inquiries must be removed immediately unless proof of consent bearing my signature is provided Legal Summary & Consumer Rights : All o

f the above issues violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which grants consumers the right to dispute and have inaccurate, incomplete, or unverifiable information removed within 30 days. It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding misleading and unlawful debt collection practices. In addition, the continued failure to correct these inaccuracies despite multiple disputes violates my rights under federal law. Relief Requested : Immediate deletion of all fraudulent and inaccurate accounts and addresses. Permanent removal of unauthorized hard inquiries. A complete and fair reinvestigation by the credit bureaus and furnishers. Written confirmation of all corrections made. A full report from the original furnishers on how these errors occurred.

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