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: TX

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 XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : I have never resided at or been associated with this address. Its inclusion on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 604, which mandates that only verifiable and accurate consumer information may be reported.

Law : FCRA 605 ( b ) prohibits reporting inaccurate or unverifiable addresses. 
Story : This incorrect address being attached to my file raises serious concerns of identity theft or mixed file errors. Despite never living there, it remains reported and causes confusion in my profile, impacting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : This account was closed and charged off under circumstances I dispute. I was not notified properly, and the balance is not accurate. 
Law : FCRA 623 requires accurate furnishing of data.

Story : I attempted to resolve this account before it was charged off. Due to financial hardship from job loss during the pandemic, I requested hardship accommodations, which were ignored. The creditor failed to respond to multiple notices. 
XXXXXXXX XXXX XXXX XXXX  Late Payments * Issue : Several late payments are inaccurately reported. I made on-time payments, yet delays due to system errors were misclassified as delinquency.

Law : FCRA 611 obligates the furnisher to investigate disputes thoroughly. 
Story : XXXX failed to properly process my payments. When I disputed the entries, they marked my dispute as " frivolous '' and failed to reinvestigate in good faith. 
XXXX XXXX XXXX XXXX # XXXX Late Payments Issue : Payment delays during XXXX were supposed to be covered under CARES Act forbearance but were incorrectly reported as delinquencies. 
Law : CARES Act Section 4021 modifies FCRA to require accounts under accommodation to be reported as current. 
Story : I contacted XXXX XXXX to notify them of hardship and was granted deferment, yet they still reported me late, affecting my credit unfairly. 
XXXX XXXX XXXX XXXX  # XXXX Late Payments Issue : Multiple reported late payments are inconsistent with my bank records and do not reflect actual payment history. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report data with maximum possible accuracy.

Story : I maintained communication and attempted multiple arrangements. XXXX continued reporting late without verifying the facts of my dispute. 
XXXX XXXX XXXX # XXXX Charge Off * Issue : The balance and charge-off date are incorrect, and I was not given a proper notice of default. 
Law : FCRA 615 ( b ) requires timely adverse action notice.

Story : This account was in dispute status when they charged it off. I repeatedly sent documentation, but XXXX XXXX failed to acknowledge or investigate properly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXharge Off * * Issue : This account does not belong to me. It appears to be the result of identity theft or file merging. 
Law : FCRA XXXX mandates removal of identity theft-related accounts upon notice. 
Story : I never applied for or opened any account with XXXX. I submitted police reports and FTC identity theft affidavits, but this item remains. 
XXXX XXXX XXXX # XXXX * Late Payments * * Issue : These late payments occurred due to billing errors and account servicing delays from XXXX. 
XXXX : FCRA XXXX ( a ) ( XXXX ) requires correction upon notice of error. 
Story : I contacted XXXX several times to address this. They acknowledged the internal delay but refused to update the bureau record. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Issue : This account was disputed and under investigation when it was charged off. 
XXXX : FCRA XXXX mandates reporting items as " disputed '' during a pending investigation. 
Story : I provided documentation that payments were made via travel merchant, but XXXX failed to honor the dispute and hastily marked it charged off. 
XXXX  # XXXX Late Payments Issue : Payments were delayed due to employer-related payroll issues, yet accommodations were denied. 
XXXX : FCRA & CFPB guidelines require creditors to honor documented hardship. 
Story : I explained the situation and requested temporary deferment. Instead, they added multiple late marks which now damage my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection * * Issue : This debt is past the statute of limitations for collection and is inaccurately reported as new. 
XXXX : FCRA XXXX ( a ) prohibits reporting obsolete accounts beyond 7 years. 
Story : I never received communication or validation of this debt. It simply appeared as a collection with no context. Attempts to validate the debt were ignored. 
XXXX XXXX XXXX XXXX XXXXXXXX Collection * Issue : I never received a dunning notice, and no verification of this debt has been provided. 
Law : FDCPA XXXX requires debt validation within 5 days of first contact. 
XXXX : This is a new entry reported in 2025, but I have no knowledge or record of this debt. No prior communication was ever sent to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : A duplicate charge-off for the same Uplift account already reported. 
XXXX : FCRA XXXX ( b ) mandates CRAs to assure accounts are not duplicated. 
Story : I already disputed this account once. Now a duplicate has been added under slightly different details. This is clear evidence of negligent reporting. 
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 mental 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