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 XXXX 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 XXXX  inquiries appearing across all XXXX  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, SD XXXX Wrong Address Issue : I have never lived at, been associated with, or used this address at any point in my life Law : FCRA XXXX XXXX ( b ), Identity Theft Law XXXX XXXX. XXXX XXXX : This address appeared on my report without my knowledge. I suspect that this address was fraudulently used by the identity thief to open multiple lines of credit. It is not associated with any job, residency, or application of mine. This incorrect address has enabled further unauthorized activities that harmed my financial reputation and public record. 
XXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : This account was not opened or authorized by me Law : FCRA XXXX XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX ; FTC Identity Theft Rule Story : I never initiated or approved this account. I did not benefit from any service or funds related to this account. This charge-off was reported without my consent or involvement, damaging my XXXX XXXX and reputation. I believe my identity was stolen and misused to create this account fraudulently. 
XXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : Unauthorized account, never applied XXXX : FCRA XXXX XXXX ; XXXX Identity Theft Law Story : This substantial charge-off deeply harmed my financial record. I never opened any account with XXXX XXXX, let alone one with a {$10000.00} balance. This is a result of identity theft. I demand this account be thoroughly investigated and permanently deleted from my credit report. 
XXXX XXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : I did not take this loan nor authorize any educational finance Law : XXXX U.S.C. XXXX and XXXX XXXX. XXXX Story : I was not a student, borrower, or co-signer for this account. This late payment affects my credit history unjustly. I believe someone used my information to take out this education loan illegally. The reporting of this account is misleading and needs immediate deletion. 
XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Fraudulent and unauthorized debt Law : FCRA XXXX XXXX ; FDCPA Story : I was not involved in any educational activity or borrowing at the time this loan was opened. The repeated use of my name for fake student loans is evidence of systematic identity misuse. I urge removal of this account and investigation into how this data was reported. 
XXXX XXXX XXXX High Balance : {$5000.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : Duplicate unauthorized chargeoff Law : FCRA XXXX XXXX ( a ) ( XXXX ) Story : This is a second false entry from the same financial institution. I did not open, use, or default on any {$5000.00} credit line. The repetition and variation in amounts indicate suspicious activity. I am not liable and request deletion and confirmation of removal. 
XXXX XXXX XXXX High Balance : {$7000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Unrecognized account, unverified reporting Law : XXXX Red Flags Rule Story : This late payment has no connection to me. I did not apply for, accept, or default on this account. The balance and opening date are inconsistent with my history. This is likely a continuation of the identity theft activities affecting my record. 
XXXX XXXX XXXX High Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Fabricated and damaging entry Law : FCRA XXXX XXXX Story : I never dealt with this lender. This entry has lowered my score and caused credit denials. Ive been repeatedly targeted, and the persistence of these fake student loans has created a false financial profile under my name. 
XXXX XXXX XXXX High Balance : {$29000.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : High-balance fraudulently reported account Law : XXXX U.S.C. XXXX ( Dispute reinvestigation ) Story : I was shocked to discover this account with such a large balance. I had no knowledge or participation in opening this. The magnitude of the balance shows this was intentional identity theft. It is criminal misuse and I request its removal and prosecution of involved parties. 
XXXX XXXX XXXX High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Unauthorized loan under my name Law : FCRA XXXX XXXX Story : This loan is completely unknown to me. I have no paperwork, agreement, or notification about this loan. This is another example of how my identity has been manipulated over time to access student funding I never requested or received. 
XXXX XXXX XXXX High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Unverified loan ; part of identity theft chain Law : XXXX U.S.C. XXXX XXXX : The consistent appearance of these educational loans across years confirms a pattern of fraud. I demand a full audit and removal from all bureaus. These accounts are ruining my financial standing and peace of mind. 
XXXX XXXX XXXX High Balance : {$7000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Recent fraud in my name Law : FCRA and FTC Identity Theft Report Protection Story : This recent entry shows the identity theft is ongoing. I have already filed FTC complaints and police reports. Despite that, new accounts keep appearing. This is criminal. I urgently request you to block and erase this entry. 
XXXX XXXX XXXX High Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Continuation of ID theft Law : XXXX U.S.C. XXXX ( false representation ) Story : I never agreed to or received this loan. It shows up within days of the previous fraudulent loan. This proves active misuse of my identity. These back-to-back loans must be removed permanently. 
XXXX XXXX XXXX High Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : No authorization, no records Law : FACTA ; Identity Theft Prevention Story : I did not open any account on this date or near it. I have been suffering financially and emotionally from the effects of these reports. This late payment is not only incorrect, but it also prevents me from accessing necessary credit. 
XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Fraudulent entry Law : FCRA and FDCPA XXXX : This final entry continues the pattern. I am repeatedly being victimized through forged educational loans. Each account compounds the damage. I respectfully request immediate deletion and written confirmation of action taken. 
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