Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I am writing to file an urgent complaint as a victim of identity theft and unauthorized credit reporting practices. Despite not initiating, approving, or consenting to several credit activities, my credit report reflects a number of inaccurate addresses, unauthorized XXXX  inquiries, and an account with false derogatory reporting. These entries are severely damaging my credit profile and reputation and were reported without my knowledge or consent. I believe my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act have been violated. 
XXXX XXXX Date : XX/XX/XXXX Issue : I did not authorize this credit inquiry. I have never applied for a loan or mortgage through XXXX, XXXX, or XXXX Mortgage. 
Law : XXXX FCRA XXXX ( a ) ( XXXX ) and XXXX ( c ) ( XXXX ) ( B ), a consumer reporting agency XXXX only provide reports when there is a permissible purpose with explicit consumer authorization. 
XXXX : This inquiry was made without my knowledge or consent. I suspect my identity has been used to fraudulently apply for financial products. This XXXX  pull negatively affects my XXXX XXXX and gives the false impression that XXXX seeking excessive credit. 
XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Issue : I have never applied for any credit with XXXX Credit or XXXX XXXX XXXX XXXX This XXXX  inquiry is fraudulent and unauthorized. 
XXXX : FCRA XXXX ( a ) ( XXXX ) mandates that credit pulls require a legitimate business need initiated by the consumer. 
Story : I have never driven, owned, or attempted to finance a XXXX XXXX XXXX The presence of this inquiry clearly shows someone is using my identity to seek high-limit loans or auto financing, which is deeply concerning and constitutes credit fraud. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize any inquiry from XXXX. I have not applied for any installment loans, personal loans, or home improvement financing through them. 
XXXX : Under the FCRA, unauthorized XXXX  inquiries are a violation of my consumer rights and must be removed. 
Story : My identity was likely used in an online or store-based loan application that I was completely unaware of. XXXX is a known XXXX  platform, and this unauthorized pull reflects identity misuse and potential fraud attempts involving large credit access. 
These fraudulent addresses, false late payments, and unauthorized inquiries are severely impacting my creditworthiness. I have never lived at or authorized any financial activity connected to the listed addresses. The listed inquiries were not approved by me, and I did not sign or submit any applications to these companies. Additionally, I am not liable for the late payments or account history reported by XXXX OF XXXX. I am requesting a complete reinvestigation into each of these entries and the deletion of all disputed information. These inaccuracies have caused XXXX XXXX, denial of credit, and reputational harm. Under FCRA XXXX and XXXX ( b ), the credit bureaus and XXXX XXXX must investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
I request that the CFPB take immediate action to enforce the deletion and correction of these false records, hold the reporting agencies and furnishers accountable, and ensure my consumer rights are protected. I am attaching supporting identity documents and a detailed summary of my complaint for your review. Please treat this complaint as urgent.

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