Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint to dispute several inaccurate and/or potentially fraudulent items that are appearing on my credit report. These accounts and inquiries were not authorized by me or contain serious reporting errors. I have not yet filed a formal identity theft report with the FTC, but I believe several of these accounts may be the result of identity misuse, inaccurate reporting, or unauthorized actions. 

Despite my good faith efforts to address these issues directly with the furnishers and credit reporting agencies, the problems remain unresolved. These accounts continue to damage my credit profile, hinder access to fair credit, and cause significant emotional and financial distress. 

Disputed Accounts and Legal Violations : XXXX. XXXX CARD Account Ending in XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Status : Charged Off Issue : I do not recognize this account. It may be fraudulent or reported in error. I did not authorize this credit line. 

Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : Duty to report accurate information FCRA XXXX ( a ) : Failure to reasonably investigate a consumer dispute XXXX. XXXX CARD Account Ending in XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00} Status : Repeated Late Payments Issue : These late payments are inaccurately reported. I disputed this account but did not receive proper reinvestigation or correction. 

Violations : FCRA XXXX ( a ) : Duty to conduct a reasonable reinvestigation FCRA XXXX ( b ) : Duty of furnisher to correct errors after dispute XXXX. XXXX XXXX Account Ending in XXXX Date Opened : XX/XX/XXXX High Balance : {$5000.00} Status : Late Payments Issue : I requested validation for this account and never received proper documentation or investigation from the data furnisher. 

Violations : FDCPA XXXX ( a ) : Right to debt validation FCRA XXXX ( b ) : Furnishers duty after dispute XXXX. XXXX Account Ending in XXXX ( XXXX Entries ) Dates Opened : XX/XX/XXXX and XX/XX/XXXX Balances : {$4500.00} and {$3300.00} respectively ( Both Charged Off ) Issue : These appear to be duplicates and were reported without clear explanation or verification. XXXX or both may  be in error. 

Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : Accuracy and completeness of reporting FCRA XXXX ( b ) : Permissible purpose of account access XXXX. XXXX XXXX INT Account Ending in XXXX Date Opened : XX/XX/XXXX High Balance : {$2800.00} Status : Collection Issue : I was not properly notified of this debt before it was sent to collections. No debt validation was provided. 

Violations : FDCPA XXXX ( b ) : Right to dispute and request validation FCRA XXXX ( a ) : Failure to investigate disputed information XXXX. XXXX XXXX Unauthorized Hard Inquiry Date : XX/XX/XXXX Issue : I did not apply for credit with XXXX  XXXX at this time. This inquiry was made without my knowledge or consent. 

Violations : FCRA XXXX ( f ) : Permissible purpose for obtaining consumer report FCRA XXXX ( c ) : Unlawful inquiry without consumer authorization Personal Impact : These entries are severely damaging my credit score, leading to loan denials, increased financial stress, and reputational harm. I am concerned that if this situation is not resolved quickly, it may impact my ability to obtain housing, employment, or emergency credit in the near future. 

Desired Resolution : I request the following actions from the CFPB and the relevant entities : Investigate each disputed account and inquiry ; Remove or correct all inaccurate, unverifiable, or unauthorized items ; Ensure that the furnishers and credit bureaus comply with FCRA and FDCPA obligations ; Provide me with confirmation that my credit report has been updated and corrected accordingly. 

Note : I have not yet filed an FTC Identity Theft Report, but I am willing to do so if necessary for further investigation. I expect all furnishers and CRAs to comply with their legal obligations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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