Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because Experian and Equifax have reported an account from XXXX ( also listed as The XXXX XXXX ) that does not belong to me. I have never applied for, opened, or authorized any account with XXXX. This account appeared unexpectedly on my Experian and Equifax consumer credit reports, reflecting inaccurate late payment history and derogatory information that are materially damaging my credit profile and preventing me from qualifying for a mortgage for my family. 

Despite multiple disputes filed directly with XXXX Experian, and Equifax, no one has provided any documentation or verifiable evidence showing that I opened or authorized this account. I have repeatedly requested the method of verification under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ), but my requests have been ignored or met only with generic stall letters. I have also reported that I was likely impacted by a recent data breach involving Equifax, which XXXX explain how this fraudulent account appeared. 

Details of the Disputed Account Creditor Name : XXXX ( also listed as The Aligned Company/XXXX XXXX XXXXn Report : XXXX  Closed account, XXXX late payments reported ; account number XXXX ; opened XX/XX/XXXX ; balance {$0.00} ; closed XX/XX/XXXX ; comments : Closed due to inactivity ; contact XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX phone XXXX Equifax Report XXXX The XXXX XXXX Line of Credit ; Date Opened XX/XX/XXXX ; Date Closed XX/XX/XXXX ; Balance {$0.00} ; Credit Limit {$500.00} XXXX XXXX 90119 days past due ; Date of Last Payment XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Phone XXXX Status : Account reported with multiple late payments ( XX/XX/XXXX days late ) despite my having no relationship with this company. 

This account appears to have been fraudulently created, as I have no documentation, login credentials, contract, or correspondence with EXTRA. I have never received a card, credit line, or any credit disclosure from them. 

Violations Noted Fair Credit Reporting Act ( FCRA ) 602A & 611 Failure to maintain maximum possible accuracy of consumer information and to investigate disputed information properly. 

FCRA 623 ( a ) ( 3 ) The furnisher ( EXTRA ) failed to provide notice of dispute to consumer reporting agencies.

FCRA 623 ( b ) The furnisher failed to reasonably investigate disputes when notified by Experian and Equifax.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Credit bureaus failed to provide a detailed method of verification when requested. 

Dispute and Harm Summary : I have never been a customer of EXTRA and have no connection with the reported account. 

Both Experian and Equifax continue verifying this account as accurate without providing any underlying proof. 

Their actions constitute noncompliance under the FCRA and negligence in addressing fraudulent credit data. 

This inaccurate account has severely lowered my XXXX XXXX and blocked my ability to obtain home loan financing. 

The presence of this account, along with its false delinquency reporting, is causing ongoing financial and emotional distress.

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