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. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Issue : I have never lived at or been affiliated with these addresses. These are completely inaccurate and constitute false personal identifying information being reported on my credit file. Their appearance indicates either a gross error in data management or a potential identity theft connection.

Law : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, credit reporting agencies are legally obligated to report only accurate and verifiable personal identifying information.

Story : These addresses began appearing shortly after I became a victim of unauthorized financial activity. I believe my personal data may have been compromised and used to apply for credit or report activities I have no connection to. This misinformation severely undermines my ability to access housing, employment, and credit. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$620.00} * * Issue : This account is inaccurately reporting late payments, which I strongly dispute. I did not authorize this account, and I suspect it was opened fraudulently using my stolen personal information. 
Law : FCRA 15 U.S.C. 1681s-2 mandates furnishers of information must investigate and correct inaccuracies in a consumers credit file. 
Story : I have never held this XXXX XXXX account, and no valid contract or application should exist under my identity. Reporting derogatory marks for an account I did not open or control has directly damaged my credit score and caused me XXXX in daily life, including denials of credit and difficulty renting a home. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$250.00} * * Issue : This collection account is not mine. I never received any verification or original creditor documentation, and the account appears on my credit without proper validation or authorization.

Law : Under the FDCPA ( Fair Debt Collection Practices Act ) 809 ( a ) and FCRA 1681e ( b ), debt collectors must verify debts before reporting, and credit bureaus must ensure maximum possible accuracy.

Story : This fraudulent collection was added without my knowledge. I have sent multiple requests for validation and none were fulfilled. I now suspect identity misuse or systemic reporting errors that continue to harm my financial status. 

XXXX XXXX XXXX Hard Inquiry Date : XX/XX/XXXX Issue : Unauthorized and suspicious hard inquiry with no application or communication from my end.

Law : Under FCRA 604 and 616, obtaining and using a credit report under false pretenses is a violation of federal law.

Story : I believe someone used or attempted to use my stolen identity to apply for credit through XXXX XXXX XXXX. I never applied for credit with this entity. This hard inquiry, like the others, is unwarranted and has harmed my credit profile. 

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 XXXX  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