Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Subject : Joint Complaint and Escalation Against Unauthorized/Fraudulent Loan Entries by Non-Compliant XXXX in Credit Reports Across CICs Request for Investigation , Data Removal , Score Recalculation, and Compensation ( References : Experian XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Report Order No XXXX XXXX ; XXXX XXXX ) Salutation : Dear Sir/Madam XXXX XXXX  Ombudsman ), With a copy to the XXXX High XXXX Ombudsman for joint resolution, Introduction : I am lodging this formal joint complaint under the Integrated Ombudsman Scheme, XXXX ( XXXX ), XXXX High Mark 's Consumer Grievance Redressal Policy ( XXXX ), and the Credit Information Companies ( Regulation ) Act, XXXX. As a salaried individual with a reported income of Rs. XXXX, I have fallen victim to apparent identity theft and fraudulent reporting by several XXXX, resulting in unauthorized loan entries across all XXXX major XXXX XXXX XXXX XXXX XXXX : Experian, XXXXXXXX XXXX and XXXX High Mark ). This has drastically lowered my credit scores ( Experian : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), making me ineligible for legitimate credit and causing significant financial and emotional distress. 
I have previously raised disputes with the CICs and concerned lenders without resolution. I now seek your coordinated intervention to : Investigate the XXXX for violations of XXXX 's Master Directions on XXXX ( XXXX ) and digital lending guidelines, including unauthorized disbursals and misreporting. 
Direct all XXXX to verify, remove erroneous/fraudulent entries, and recalculate my scores. 
Impose penalties on errant entities and award compensation ( estimated Rs. XXXX for denied credit opportunities at higher rates, plus mental harassment ). 
Issue a clean No Objection Certificate ( NOC ) for my credit profile post-resolution. 

This joint approach is necessary as the issues span regulatory oversight ( RBI ) and data accuracy ( XXXX as a XXXX ), with cross-bureau discrepancies highlighting systemic failures. 
Background and Details of the Complaint : My credit reports, generated between XXXX and XX/XX/XXXX, indicate XXXX total accounts ( e.g., Experian : XXXX XXXX XXXX XXXX XXXXXXXX ), with XXXX active ones, mostly small unsecured personal/consumer loans ( Rs. XXXX ) from suspicious lenders. Key impacts include XXXX missed payments ( e.g., 66 days past due in XXXX ), 97 % credit utilization ( CRIF ), XXXX hard inquiries in 12 months, and XXXX delinquent accounts, dropping scores by XXXX points. 
Score factors affected : Payment History : XXXX % on-time, but XXXX misses in 3 years ( e.g., Experian Factor # XXXX : Recent Defaults ; CRIF : High Impact ). 
Credit Mix : Imbalanced ( 80 % unsecured : 20 unsecured vs. XXXX secured ; XXXX : XXXX XXXX ). 
Enquiries : XXXX in 90 days ( XXXX XXXX in XXXX ). 
Total Debt : Rs. XXXX XXXX XXXX XXXX to Rs. XXXX ( Experian ). 
Credit History : Young ( Oldest : Credit Card XXXX ; XXXX : Medium Impact ). 

I have never applied for or received these loans, with no agreements, disbursals, or demands from the entities. Cross-verification reveals discrepancies in lender attribution, dates, amounts, and statuses across bureaus, suggesting fraud via identity theft or reporting errors. Extrapolating from attached report pages ( Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, additional patterns XXXX, such as mismatched balances ( e.g., XXXX Personal Loan : Experian XXXX. XXXX active ; XXXX XXXX XXXXXXXX current ) and absent entries ( e.g., XXXX in XXXX  but not Experian ). Public records confirm many lenders ' legitimacy issues, with RBI fines and scam complaints. 
Specific Fraudulent/Erroneous Entries and Lender Analysis : Based on extrapolated matches ( e.g., same loan numbers/dates/amounts but different entities ), here are key issues, with legitimacy verified via XXXX records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) : Experian/CRIF : " XXXX '' ( Short Term Personal Loan, Opened : XXXX, Active, Rs. XXXX, XXXX miss ). 
XXXX : " XXXX '' ( Payment Delayed, Updated : XXXX ). 
XXXX XXXX XXXXXXXX ( XXXX : Rs. XXXX, Active ). 
Discrepancy/Issue : XXXX mismatch ( e.g., similar under XXXX in Experian ). Complaints of fake loans on consumer forums. Inflates delinquencies. 


XXXX XXXX XXXX XXXX ( XXXX ; CIN : XXXX ; RBI-Fined XXXX NBFC ) XXXX CRIF/Experian : XXXX XXXX '' ( Personal Loan, XXXX, Active, Rs. XXXX, XXXX misses ). 
XXXX : " XXXX '' ( Payment Delayed ). 
XXXX XXXX XXXX XXXXXXXX '' ( Closed, Rs. XXXX ). 
Discrepancy/Issue : XXXX varies ( vs. XXXX in Experian ). Fined Rs. XXXX XXXX by XXXX ( XX/XX/XXXX ) for violations ; XXXX complaints of unauthorized entries. 


XXXX XXXX XXXX XXXX ( RBI-Registered NBFC ) XXXX CRIF/XXXX XXXX XXXX XXXX XXXX ( Personal Loan, XXXX, Active, Rs. XXXX ). 
XXXX : " XXXX '' ( Active ). 
Experian : XXXX ( similar under XXXX XXXX ). 
Discrepancy/Issue : XXXX in Experian ; broader scam alerts for similar entities. 


XXXX XXXX XXXX XXXX ( CIN : XXXX ; XXXX XXXX ) : CRIF/XXXX XXXX  XXXX XXXX XXXX ( Personal Loan, XXXX, Active, Rs. XXXX, XXXX misses ). 
XXXX : Under " XXXX '' ( " XXXX '', Delayed ). 
Experian : XXXX XXXX ( " XXXX '', Closed ). 
Discrepancy/Issue : XXXX mismatch ; legitimate but error-prone reporting. 


Tycoon Credit and Portfolios Limited ( CIN : XXXX ; XXXX XXXX, XXXX Flagged ) : CRIF : Enquiry ( XXXX, XXXX. XXXX ). 
Absent in others. 
Issue : High-risk per FIU ; scam complaints for fake loans. 


UpMove Capital Private Limited ( CIN : XXXX ; XXXX XXXX ) : CRIF : " XXXX '' ( Closed, XXXX, XXXX. XXXX ). 
XXXX XXXX XXXXXXXX XXXX Credits. 
Issue : Legitimate, but mismatch suggests error. 


XXXX XXXX XXXX XXXX ( RBI-Registered NBFC ) XXXX CRIF : " XXXX '' ( Closed, XXXX ). 
Experian : XXXX XXXX. 
Issue : Legitimate ; reporting discrepancy. 



These XXXX entries ( 80 % active ) add Rs. XXXX lakhs debt and XXXX delinquencies. XXXX threads highlight similar fake loan scams affecting XXXX in XXXX. 
Evidence Attached : Full credit reports ( Experian XXXX : XXXX, XXXX ; XXXX ECN : XXXX, XXXXXXXX XXXX XXXX Order : XXXX, XXXX ; XXXX XXXX, XXXX ). 
Discrepancy screenshots from attached pages. 
No lender proofs. 

Desired Outcome : RBI : XXXX XXXX ; suspend operations if fraudulent. 
XXXX CICs : Remove entries within XXXX days ; recalculate scores. 
Compensation : Rs. XXXX ( score damage ) + Rs. XXXX ( losses ). 
Resolution Timeline : 30 days.

Closing : I declare the information true. Please acknowledge with reference numbers. Available for verification. 
Yours sincerely,

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