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, TX XXXX Wrong Address Issue : This address has never been associated with me at any point in time.

Law : Under the FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting a completely incorrect address violates this responsibility.

Story : I am repeatedly being linked with addresses in cities and states where I have never lived or even visited. This address is not my current or previous residence, and its presence on my report suggests either mixed file or identity theft concerns. These inaccuracies damage my credibility, raise fraud alerts, and cause denials for basic financial needs like housing and credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : I never authorized or opened any XXXX account. 
Law : FCRA 1681c-2 permits consumers to block fraudulent accounts resulting from identity theft.

Story : This account is not mine, yet it has been charged off and severely impacted my score. I am a victim of fraudulent use of my information, and I demand its immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : This account is reporting inaccurately and is not mine.

Law : FCRA 1681i ( a ) requires reinvestigation of disputed information. 
Story : I have never shopped at XXXX or opened any account with XXXX XXXX. Its charge-off status is damaging my profile, and my disputes have gone unanswered. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : I was denied information about the source of this debt and believe it to be inaccurate.

Law : FDCPA 809 requires debt validation upon request. 
Story : XXXX XXXX  has refused to provide me proof of the alleged debt. Instead, they continue to report the account negatively, which has blocked me from securing employment and a loan. 
FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : The account was disputed multiple times with no response. 
Law : FCRA 1681s-2 obligates furnishers to conduct proper investigations after disputes. 
Story : XXXX XXXX has refused to remove the false data or explain its origin. This is deliberate negligence and has affected my ability to rent an apartment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : Duplicate reporting and inaccurate balance.

Law : FCRA prohibits duplicate or inconsistent data under 1681e ( b ). 
Story : XXXX is reporting the same balance multiple times under different names including XXXX and XXXX XXXX XXXX XXXX This is misleading and unfairly inflates my debt-to-income ratio. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : I closed this account in good standing, but it was later marked as charged off.

Law : FCRA 1681s-2 prohibits false information by furnishers.

Story : I paid this account in full, but it was later falsely marked as charged off. Ive lost multiple job offers due to this incorrect information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : Unauthorized account. 
Law : FCRA 1681m and FDCPA 809 apply here.

Story : I never opened this account or authorized its creation. Its presence is evidence of stolen identity. 
XXXX XXXX XXXX # XXXXXXXX XXXX  Charge Off * * Issue : The amount is inflated and disputed repeatedly. 
Law : FDCPA 807 prohibits false representation of amount owed.

Story : The original debt was much smaller, yet the current balance has inflated without explanation. I requested a full account breakdown which was never provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : Inaccurate and unverified debt. 
Law : FCRA 1681i ( a ) mandates timely verification.

Story : I never had a relationship with this credit union. Their negligence has affected my housing application. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : No authorization given. 
Law : FDCPA 809 requires proper validation before reporting.

Story : This lender has no verifiable agreement signed by me. My disputes have been completely ignored. 
XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Reported late after account was current. 
Law : FCRA 1681s-2 demands accuracy in payment history.

Story : I was enrolled in autopay and made payments on time. This wrongful late report is now ruining my credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Late payment reported in error. 
Law : FCRA 1681e ( b ) again applies.

Story : I suffered health issues during this time and requested hardship assistance, which was denied. Despite my genuine attempts to pay, the bank reported me late. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Collection * * Issue : No validation provided.

Law : FDCPA 809 ( b ) Right to debt validation. 
Story : XXXX. XXXX never responded to my request for documentation. Their continued collection attempts are illegal and harassing. 
XXXX. XXXX XXXX XXXX XXXX XXXX Collection * * Issue : Duplicate collection account.

Law : FCRA 1681b Permissible purpose violated.

Story : This is a duplicate of the earlier XXXX. XXXX listing, meant to harass and pressure me. Theyre reporting the same debt under different file numbers. 
XXXX XXXX XXXX # XXXXXXXX XXXX  Collection * * Issue : Debt is time-barred and should not be reported. 
Law : FDCPA 805 ( a ) prohibits communication after the statute of limitations.

Story : The debt is beyond legal collection period but still shows as active on my report. This is misleading and causes undue XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX Collection * Issue : Reporting without notice or validation. 
Law : FDCPA 809 ( a ) applies.

Story : I never received any collection notice or mail. They suddenly appeared on my credit without verifying anything. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection * * Issue : XXXX often reports unverified or purchased debts. 
Law : FDCPA 807 ( 8 ) False representation.

Story : I have no record of this debt. Their name constantly shows up on credit reports of other victims too. 
Hard Inquiries Without Authorization : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize these hard inquiries.

Law : Under FCRA 604 ( a ) ( 3 ), hard inquiries require consumer consent or a permissible purpose.

Story : These inquiries were made without my permission and possibly part of fraud or credit harvesting. I fear my identity is compromised and these inquiries hurt my score further.

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