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 writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate information reported on my credit reports. I am a victim of identity theft and severe misreporting, resulting in fraudulent accounts, incorrect addresses, and unauthorized hard inquiries appearing across all three major credit bureaus. I did not authorize any of these entries, and they are causing substantial harm to my credit standing and personal well-being. Below are the specific items I am disputing : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : I have never lived at, visited, or had any association with this address. This address does not belong to me and is appearing on my credit report fraudulently Law : Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Story : I am a law-abiding citizen and I take my identity very seriously. I have been a victim of identity theft, and this address is a direct result of that. This false address has severely impacted my creditworthiness. Creditors and collectors are mistaking me for someone else. I have filed an identity theft report and demand this address be permanently removed from all three credit bureaus XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : This account was opened without my knowledge or authorization. I never applied for, owned, or used any account with XXXX or XXXX. I did not receive any product, nor did I benefit from any services related to this account Law : Under FCRA 1681b ( c ) and 1681c-2 ( Block of Information Resulting from Identity Theft ), no consumer reporting agency may report information that is the result of identity theft once it has been disputed and proper documentation has been submitted. Additionally, under FDCPA 1692e, it is illegal for any party to furnish false, deceptive, or misleading information Story : My identity has been stolen and used to fraudulently open this account. I have been suffering emotional distress and financial damage due to this unauthorized activity. I demand this account be blocked, deleted, and never reported again. I have already notified the FTC and other relevant authorities XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : I did not authorize the opening of this account, and I have never maintained any financial relationship with XXXX. The late payment is fraudulent and misrepresents my financial behavior Law : FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must report accurate information. Any failure to do so is a violation. Furthermore, once the consumer identifies the account as fraudulent, it must be removed under FCRA 1681c-2 Story : I have been the target of identity theft, and this account is one of several that were opened using my stolen identity. I have not missed any payments on legitimate accounts that I own. This late payment is hurting my credit score and is completely unjust. I did not open this account, nor did I give anyone permission to do so on my behalf. I am requesting the immediate removal and full deletion of this account from all consumer reporting agencies Conclusion : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I am requesting the immediate investigation and permanent deletion of all inaccurate, fraudulent, and unauthorized items listed above. These items are false, damaging, and were added to my credit report without lawful purpose or consent. I respectfully request that the CFPB take urgent action to hold the reporting agencies and furnishers accountable for these violations. I am attaching this complaint along with supporting documents and plan to report the matter to the FTC and local authorities.

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