Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
To Whom It May Concern, This is a formal complaint against the credit reporting agencies and furnishers who have reported inaccurate addresses, unauthorized inquiries, and damaging accounts on my credit file. I believe these errors are the result of negligence, inaccurate reporting practices, possible identity theft, or mixed file issues. Despite prior disputes, these harmful entries remain unresolved. I am now submitting this complaint to the CFPB to seek resolution under my rights provided by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$490.00} Date Opened : XX/XX/XXXX * * Issue : This charge-off is inaccurate and does not reflect the full context of my financial situation at the time. I was going through a pandemic-related hardship which severely affected my ability to pay. 
Law : Under the CARES Act and FCRA 1681s-2 ( a ), furnishers are required to accurately report account status during accommodation periods. They failed to report this account correctly while I was under financial hardship. 
Story : In XXXX, I lost significant income due to the COVID-19 pandemic. I contacted the bank to explain and seek assistance, but they were unresponsive. I was willing to work out a plan but was ignored. Eventually, they charged off the account, further harming my credit without acknowledging the real cause of the delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$810.00} Date Opened : XX/XX/XXXX * * Issue : This charge-off is highly questionable. I do not recall authorizing this account. The details remain vague, and I have never received clear documentation or a signed agreement. 
Law : FCRA 609 ( a ) ( 1 ) gives me the right to obtain full disclosure of any account listed. If the creditor can not supply signed documentation, this must be deleted.

Story : This account appeared suddenly on my report. I have no recollection of opening it, and attempts to contact the creditor have gone unanswered. It could be a case of identity fraud or unauthorized digital account creation. I ask that it be removed unless clear, verified evidence is produced. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$980.00} Date Opened : XX/XX/XXXX * * Issue : This account lists multiple late payments that were caused by technical issues and lack of clarity in billing. I tried to make payments that were not properly posted. 
Law : Under the FCRA 1681s-2 ( b ), creditors must conduct reasonable investigations and fix any inaccurate or incomplete information. 
Story : I was making regular payments but noticed that they were not being credited on time. I raised this issue with the bank but got no resolution. I even provided transaction confirmations. Despite this, they marked my account late and damaged my score unfairly. 
XXXX XXXX XXXX # XXXX * Collection High Balance : {$1200.00} Date Opened : XX/XX/XXXX * * Issue : This collection account has not been validated. I requested full debt validation but never received documentation proving this debt belongs to me. 
Law : Under the Fair Debt Collection Practices Act ( FDCPA ) 809, collectors must provide verification of the debt. Reporting without proof is illegal. 
Story : I was shocked to see this on my report. I contacted XXXX and asked them to validate the debt under FDCPA, but they failed to respond. Reporting an unverified collection is not only wrong but also caused my score to drop for something that might not even be mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$1200.00} Date Opened : XXXX XXXX XXXX  Issue : This is another unverified collection. I never received any letters or communication prior to this showing up on my credit. 
Law : FCRA 611 and FDCPA 809 mandate that any debt listed must be validated upon consumer request. Failure to do so is a direct violation. 
Story : This collection feels like a scam. I was never contacted, and no explanation or original creditor info was ever provided. If this is a real debt, I demand proof. Until then, it must be removed from my report immediately. 
XXXX XXXX XX/XX/XXXX XXXX : This hard inquiry was done without my knowledge or consent. I did not apply for credit with XXXX on that date. 
Law : FCRA 604 ( a ) ( 3 ) states that inquiries must have a permissible purpose and must be initiated by the consumer.

Story : I was surprised to see this inquiry when I pulled my report. I was dealing with identity theft and suspect this may be related. I never filled out an application for XXXX and consider this an unauthorized credit pull. It has negatively affected my score and should be deleted. 
Final Statement & Request Due to the severe and harmful nature of these inaccuracies, I request the CFPB to : Investigate all the unauthorized inquiries Remove the wrong addresses permanently Fully validate or remove the inaccurate accounts Ensure all reporting complies with FCRA and FDCPA Prevent further harm to my credit standing I am suffering reputational, emotional, and financial hardship due to this false information. I respectfully urge you to enforce compliance and hold the reporting agencies and furnishers accountable. 
Thank you for your time and assistance in correcting these errors.

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