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: TN

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 XXXX XXXX, KS XXXX Wrong Address Issue : I have never resided at or been affiliated with this address in any capacity. 
Law : Reporting inaccurate address information violates 15 U.S. Code 1681e ( b ), which mandates reasonable procedures to assure maximum possible accuracy. 
XXXXtory : This address may have been fraudulently added as part of an identity theft scheme. Its continued appearance is misleading and harmful. I have no known connection to this location, and its inclusion suggests serious misreporting or misuse of my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Wrong Address Issue : This address is not mine and was never provided or authorized by me to be associated with any account. 
Law : Under FCRA 15 U.S. Code 1681c, consumer reports should not contain outdated, inaccurate, or irrelevant information. 
Story : The presence of this address is highly concerning and indicative of possible fraudulent activity. I suspect this may be tied to unauthorized use of my information or internal errors in reporting by a furnisher or bureau. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment High Balance : {$12000.00} Date Opened : XX/XX/2024 Issue : This account is inaccurately reported with late payments. I have disputed this before, but the reporting agency failed to investigate thoroughly or correct it.

Law : Under FCRA 15 U.S. Code 1681i, upon receiving a dispute, the agency must conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information. FDCPA also protects consumers from misleading reporting practices. 
Story : I have faced immense emotional distress and credit denials due to this inaccurate delinquency marking. My consistent payments and records contradict the derogatory status reflected. This false reporting is damaging my reputation and financial stability. 
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