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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and unauthorized items appearing on my credit report. These include a wrong address, fraudulent accounts, and hard inquiries that I never authorized. I am a victim of identity theft and demand a full investigation and removal of the following entries. I believe these violations fall under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I request immediate action. 
Wrong Address : XXXX XXXX XXXX, CA XXXX Issue : I have never lived at, been associated with, or had any connection to this address. This is a false address that has been added to my credit profile without my knowledge or consent. 
Law : Under the FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Reporting an address that does not belong to me is a clear violation of this provision. 
Story : I suspect this address was added due to identity theft or a mixed file error. I am deeply concerned as this incorrect association maXXXX have triggered false credit decisions and further unauthorized activity. I request immediate deletion of this address from all three credit bureaus. 
Accounts : XXXX XXXX XXXXXXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment Issue : I did not authorize this account, and I have no knowledge of this relationship. This account was fraudulently opened or falsely reported under my name. 
Law : As per FCRA 1681c-2 ( Blocking of information resulting from identity theft ), I have the right to request the permanent removal of this account.

Story : I have been a victim of identity theft and have already placed fraud alerts and security freezes on my file. This account has severely impacted my creditworthiness due to reported delinquencies. I demand this account be thoroughly investigated and removed immediately. 
XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Chargeoff Issue : I do not recognize this account and have never opened any XXXX XXXXXXXX account with this account number. This entry appears to be fraudulent. 
Law : Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Story : The charged-off status has unfairly damaged my credit score and my financial reputation. I am already dealing with the fallout of identity misuse. I request full deletion of this false account from my report after your investigation. 
Hard Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : I did not apply for any credit with XXXX. This inquiry is unauthorized. 
Law : Under FCRA 1681b ( c ), credit inquiries require written permission or a permissible purpose, which I did not provide.

Story : This inquiry shows a potential fraudulent attempt to access credit under my name. I never gave consent or initiated any application with XXXX. 
XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry was made without my knowledge or authorization. 
Law : FCRA mandates that credit pulls must be done with consent and for a valid reason. This was done without either.

Story : This entry may be linked to the same fraudulent activity that triggered other false accounts and addresses. I never applied for an auto loan with XXXX. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This company pulled my credit without permission or any application from me. 
Law : Under FCRA 1681b ( a ), this constitutes an impermissible inquiry and must be removed.

Story : This is a clear sign of identity theft. Multiple inquiries on the same day further suggest someone attempted to fraudulently obtain financing using my identity. 
Relief Sought : Immediate deletion of the wrong address from my credit report Removal of the XXXX XXXX and XXXX XXXXXXXX accounts Deletion of all five unauthorized hard inquiries listed above Investigation and confirmation of the steps taken by all involved entities Written confirmation and clean copies of my updated credit reports This situation is causing me severe emotional and financial distress. I have already placed fraud alerts and security freezes to protect myself. I respectfully urge the Consumer Financial Protection Bureau to intervene and ensure my rights under the FCRA are protected.

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