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:
I am submitting this complaint to bring to your attention the inaccurate and fraudulent items that are currently being reported on my credit file. These errors have severely damaged my creditworthiness and violated my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ). I believe I am a victim of identity theft, and the following details outline each item in question, with related issues, laws violated, and personal impact. 
XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS This address is fraudulently being reported on my credit report. I have never lived at, used, or been affiliated with this address in any way. Reporting an address not associated with me is a violation of the FCRA 605 ( b ) which prohibits furnishing false or inaccurate consumer information.

ISSUE : Identity theft address reporting, inaccurate personal information LAW VIOLATED : FCRA 602, 605 ( b ), 609 ( c ) ( 2 ) ( E ) STORY : This false address is severely damaging my credit profile. It is also causing misrouting of sensitive credit communication. I am concerned that identity thieves may be using this address for fraudulent applications. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$11000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off ISSUE : This account has been marked as charged-off with an abnormally high balance. I did not authorize such charges, nor do I recognize this amount. I believe this account was either fraudulently used or reported incorrectly. XXXX XXXX failed to provide proper verification under 15 U.S. Code 1681i ( a ).

LAW VIOLATED : FCRA 609 ( a ) ( 1 ), 611, FCBA 161 STORY : Despite multiple requests for validation and investigation, no documentation was provided to confirm I authorized this account or transactions. This unjust reporting has harmed my creditworthiness and emotional well-being. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$26000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off ISSUE : I do not recognize this account. It is being reported as a charge-off without my knowledge or consent. There is a high possibility that this account was opened by someone else fraudulently. 
LAW VIOLATED : FCRA 605B ( Identity Theft Block ), 623 ( a ) ( 5 ), FDCPA 809 STORY : I have no contractual relationship with XXXX XXXX XXXX. I never received statements, alerts, or notifications. Yet, my report is reflecting a high balance and charge-off that is not mine. This clearly indicates identity theft and negligence in verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off ISSUE : This is another unknown account that I never opened. I believe it was fraudulently established using my personal information. No verification has ever been shared with me despite repeated inquiries. 
LAW VIOLATED : FCRA 611 ( a ), 605B, FDCPA 809 ( b ) STORY : Ive suffered major distress due to this. This account is not only hurting my score but giving false creditworthiness signals to potential lenders and employers. The creditors failure to validate the account and the bureau 's refusal to remove it despite dispute is unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX  ISSUE : This inquiry was not authorized and appears to be part of identity misuse. 
LAW VIOLATED : FCRA 604 ( a ) ( 2 ), 609 ( a ) ( 1 ), 616 STORY : I never applied for a credit card from XXXX or XXXX. The unauthorized inquiry contributes to the decline in my score and represents a severe breach of consumer rights and protections. 
RELIEF REQUESTED : Immediate investigation and deletion of the inaccurate and fraudulent accounts and inquiries listed above Removal of all unauthorized addresses not associated with me Formal enforcement of my consumer rights under FCRA, FCBA, and FDCPA Civil penalties for any institution found to be non-compliant Written confirmation of actions taken I am also submitting disputes directly with the credit bureaus, but due to inadequate results, I am escalating this to CFPB. These inaccuracies are ruining my ability to rent, finance, and obtain employment, and causing me mental and emotional distress.

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