Consumer complaint received 2025-07-15 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: 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 : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : This is not my address, and I have never lived here Law : FCRA 605 ( b ) and 607 ( b ) Credit bureaus are required to remove inaccurate or unverifiable information Story : I have never resided at this address nor do I have any connection to this location. Its presence on my credit report is a clear indication of identity theft or mixed-file reporting. I believe my personal data has been wrongfully linked with this address, causing serious damage to my credit profile. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : Fraudulent address reported on my credit file Law : FCRA 607 ( b ) Bureaus must ensure accurate and verifiable address history Story : This address is unknown to me. I have never lived here, applied for credit from this location, or used it for any financial purpose. This false data entry may be the result of an identity thief using my name or SSN, or a data error by the bureaus. It needs to be permanently deleted. 
XXXX Account : XXXX XXXX  High Balance : {$1400.00} | Date Opened : XX/XX/XXXX Issue : Late payment reported on an account I never opened Law : FCRA 1681s-2 ( a ), FCRA 611 Furnishers must report accurate data and credit bureaus must investigate disputes Story : I never had any credit relationship with XXXX XXXX XXXX XXXX  ). I did not authorize this account nor did I make any payments. I became aware of this only while checking my credit report. I believe someone used my identity to open this account without my permission, or it was wrongfully merged with another consumers account. 
XXXXXXXX XXXX  Account : XXXXXXXX XXXX  High Balance : {$5600.00} | Date Opened : XX/XX/XXXX Issue : Charge-off on a fraudulent credit card Law : FCRA 605B Credit reporting agencies must block information resulting from identity theft Story : I have never opened a credit card with XXXX XXXX XXXX This charge-off entry is fraudulent and has severely impacted my credit standing. I suspect my identity was compromised and used to open this account without my consent. I request an immediate block under the FCRA. 
XXXX XXXX  XXXX Account : XXXXXXXX XXXX  High Balance : {$7800.00} | Date Opened : XX/XX/XXXX Issue : Unauthorized account charged off and misreported Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report data accurately Story : I have never had a loan, credit card, or any financial relationship with XXXX XXXX XXXX XXXX. This charge-off is fraudulent and appears to be linked to identity theft. I demand its removal and full investigation to prevent further misuse of my credit file. 
XXXX Account : XXXXXXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Issue : Fraudulent charge-off account listed Law : FCRA 605B and 602 ( a ) Identity theft protections and right to accuracy Story : I never took out any loan from XXXX XXXX XXXX XXXX XXXX. I did not apply, receive, or use any credit related to this account. I was shocked to discover this on my credit report and believe this entry is due to identity misuse or false reporting. 
CXXXX XXXX XXXX  Account : XXXXXXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX Issue : Late payment reported for a government obligation I never owed Law : FCRA 607 ( b ) and 611 Accurate data reporting and consumer dispute rights Story : I have no business or financial obligation with XXXX XXXX. This listing is completely false and damaging. It appears to be the result of data mixing, fraud, or internal error by the credit bureaus. 
XXXX XXXX Account : XXXX XXXX High Balance : {$47000.00} | Date Opened : XX/XX/XXXX Issue : Unauthorized vehicle loan charge-off Law : FCRA 605B Must block account opened due to identity theft Story : I have never applied for any vehicle loan with XXXX XXXX. This account, which appears to be auto-related, is fraudulent. Someone may have used my personal data to fraudulently obtain credit in my name. I did not authorize or know about this account. 
XXXX XXXX XXXX Account : XXXXXXXX XXXX  High Balance : {$2200.00} | Date Opened : XX/XX/XXXX Issue : Fraudulent collection account from a third-party debt collector Law : FDCPA and FCRA 623 Debt collectors must validate debts before reporting Story : I have never received a notice or verification of any debt from XXXX XXXX. This account appeared on my credit report unexpectedly. I believe this collection was filed in error or due to fraud. I request validation or immediate deletion of this tradeline. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry performed without my consent Law : FCRA 604 ( a ) Consumer consent or permissible purpose required Story : I have never interacted with this dealership or applied for any financing through XXXX. This inquiry may be related to attempted identity theft or incorrect use of my personal information. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized access to my credit file Law : FCRA 604 ( a ) ( 3 ) ( F ) ( ii ) Firm must certify that the consumer initiated the request Story : I did not authorize any inquiry by XXXX XXXX XXXXn this date. I have no auto loan or financing application with them, and no legitimate reason exists for them to review my credit report. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry without permissible purpose Law : FCRA 604 Firm must have initiated transaction with the consumer Story : I never applied for credit with XXXX XXXX. This inquiry was made without any consent or credit application from me. I suspect unauthorized use of my personal details. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Hard inquiry performed without valid authorization Law : FCRA 604 ( a ) ( 3 ) Inquiries must have a legal purpose Story : I have no current or past applications with XXXX XXXX. I never gave them permission to access my credit report. This is either fraud-related or a violation of federal law. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Improper inquiry under my name Law : FCRA 604 Inquiries must be tied to a consumer-initiated transaction Story : I did not apply for financing or credit from XXXX I suspect misuse of my identity or data error. This unauthorized inquiry is negatively impacting my credit. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry not authorized or initiated by me Law : FCRA 604 ( a ) Only permissible with consumer 's consent Story : I did not apply for any financial product through XXXX XXXX XXXX Their access to my credit report was unauthorized and must be treated as a violation of my consumer rights. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized credit check Law : FCRA 604 Company must have consumers authorization Story : I never applied for a vehicle loan or credit line from XXXX XXXX. I believe my personal data may have been misused, or this inquiry was made in error. 
XXXX XX/XX/XXXX Issue : Inquiry not initiated by me Law : FCRA 604 ( a ) Requires consumer application or consent Story : I never applied for a loan or service from XXXX. This inquiry is either fraudulent or the result of a credit file mix-up. I demand its immediate removal. 
XXXX XXXX XX/XX/XXXX Issue : Credit card inquiry made without consent Law : FCRA 604 Must be based on consumer-initiated application Story : I have not applied for any XXXX XXXX credit card or related product. This inquiry was unauthorized and has affected my credit score negatively. 
XXXX XXXXXX/XX/XXXX Issue : Inquiry conducted without application or consent Law : FCRA 604 All inquiries must be lawful and verified Story : I never applied for a Destiny card or gave permission for any credit review. This inquiry was done without my knowledge and is negatively impacting my credit score.

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