Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Dear CFPB, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ) concerning multiple unauthorized accounts and inquiries on my credit report. I have no knowledge or consent regarding these accounts and inquiries. Their presence on my credit report is false, fraudulent, and damaging. I request immediate investigation, correction, or deletion as required by law. 
Account Disputes : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not Mine / No Knowledge of this account This account does not belong to me, I have never applied for credit or engaged in any transaction with XXXX XXXX XXXX Bank. Reporting this account on my credit file is fraudulent and violates my rights under FCRA 1681i. Immediate deletion or correction is required. 
XXXX XXXX XXXX Not Mine / No Knowledge of this account I have no knowledge of this account. I never opened, authorized, or used this account. Its presence on my credit report is incorrect and damaging. Federal law requires removal of unverifiable accounts, and I demand prompt investigation and deletion. 
XXXX XXXX Not Mine / No Knowledge of this account I did not authorize this XXXX XXXX account. I have never received any statements, cards, or communications from XXXX for this account. Its inclusion is false reporting and violates FCRA 1681i ( a ). Corrective action is required immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Not Mine / No Knowledge of this account This account is fraudulent. I have no knowledge or consent regarding this account. Reporting it harms my creditworthiness. I request full investigation and deletion of this account under FCRA guidelines. 
XXXX XXXX XXXX XXXX Not Mine / No Knowledge of this account I never opened or used this XXXX XXXX XXXX account. Its appearance on my credit report is unauthorized and illegal. I request immediate correction or removal as required by federal law. 
XXXX XXXX XXXX Not Mine / No Knowledge of this account I do not recognize this account. I have never applied for credit with XXXX XXXX for this account. Its reporting is false and fraudulent, and I request deletion in accordance with FCRA 1681i. 
XXXX XXXX Not Mine / No Knowledge of this account I have no knowledge of this XXXX account. I never opened, authorized, or used it. Reporting it is damaging, inaccurate, and illegal. I demand immediate investigation and removal. 
XXXX XXXX XXXX Not Mine / No Knowledge of this account I do not know this account. I have never had any dealings with XXXX XXXX. Reporting this account is false information. Federal law mandates its removal or correction immediately. 
XXXXXXXX XXXX XXXXXXXX Not Mine / No Knowledge of this account I did not open or authorize this JPMCB account. Its reporting is fraudulent and damaging. XXXX investigation and deletion are requested under FCRA 1681i. 
XXXX XXXX Not Mine / No Knowledge of this account This account is not mine. I have never applied, authorized, or used this account. Federal law mandates removal of unverifiable accounts. Immediate correction or deletion is requested. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Not Mine / No Knowledge of this account I have no knowledge or consent regarding this account. Its presence on my credit report is false and unauthorized. I request full investigation and removal under FCRA 1681i ( a ). 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I did not authorize this credit inquiry. Its reporting is fraudulent and damaging to my credit history. Immediate deletion is requested under FCRA 1681b ( c ). 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I have never applied or consented to this inquiry. Its reporting is inaccurate. I request removal immediately. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry I did not authorize this inquiry. Reporting it violates FCRA regulations. XXXX deletion is required. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I have no knowledge of this inquiry. Its inclusion is false reporting. I request deletion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX This inquiry was not authorized by me. Reporting it harms my credit profile. I demand immediate removal. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I have never consented to this inquiry. Its reporting is inaccurate and damaging. I request deletion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry I did not authorize this inquiry. Immediate deletion is requested. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I have no knowledge of this inquiry. Its reporting is false and illegal. I request immediate removal. 
XXXX XXXX XXXX  Unauthorized Inquiry I did not authorize this inquiry. Reporting it violates FCRA law. XXXX deletion is required. 
XXXX XXXX XX/XX/XXXX Unauthorized Inquiry I have never consented to this inquiry. Its reporting is fraudulent. I request deletion. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I did not authorize this inquiry. Its reporting is inaccurate. Immediate deletion is requested. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry This inquiry was not authorized by me. Reporting it harms my credit profile. I demand removal. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I have no knowledge or consent for this inquiry. Its inclusion is false and damaging. I request deletion immediately. 
I am including copies of my government-issued ID, utility bill, and Social Security verification to support this complaint. I request that all unauthorized accounts and inquiries be investigated, corrected, or deleted within the legally mandated XXXX timeframe under federal law. 
This is a serious matter of identity theft, and I expect prompt action to prevent further damage to my credit history.

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