Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
Summary of Issue : I recently obtained my credit reports from Experian and Equifax and transunion and noticed several errors, inaccuracies, and fraudulent activities that negatively impact my credit profile. These inaccuracies include incorrect account statuses, unauthorized accounts, and potential identity theft concerns.

Key Issues Identified : Fraudulent Accounts & Identity Theft Alert My Experian credit report has an ID Security Alert, stating that fraudulent applications may have been submitted in my name or that my identity may have been used without my consent.

My Equifax credit report has a Security Freeze in Place and a Fraud Victim " Initial Alert '', which indicates prior concerns about identity theft. 
Despite these alerts, I continue to see unauthorized accounts and incorrect reporting affecting my credit. 
Incorrect Account Statuses & Charge-Offs XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX ) : Reports charge-offs and past due balances, though payments were previously made or disputes were initiated. 
XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) : Charged off with a past due balance of {$2800.00}, despite prior dispute efforts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-offs and incorrect balances that I previously attempted to correct. 
Duplicate & Incorrect Personal Information Multiple name variations on my Experian report ( e.g., " XXXX XXXX '' misspelling ). 
Incorrect addresses and variations appearing on both reports. 
Unauthorized Hard Inquiries Experian Report lists five hard inquiries that I did not authorize. 
Equifax Report has XXXX inquiries, which is excessive and likely includes unauthorized checks. 
Steps Taken to Resolve This Issue : I contacted the credit bureaus ( Experian and Equifax ) to dispute these inaccuracies and request corrections.

I placed fraud alerts and a security freeze on my credit files to prevent further unauthorized activity. 
I attempted to contact creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to dispute charges and incorrect reporting. 
Despite these actions, the errors remain, and my credit has been negatively impacted. 
Desired Resolution : Immediate investigation and correction of all fraudulent accounts, incorrect charge-offs, and inaccurate balances.

Removal of all unauthorized inquiries from my credit report.

Ensure identity theft measures are enforced to prevent further damage to my credit profile.

Confirmation from each credit bureau and creditor that the issues have been resolved.

I appreciate the CFPB 's assistance in resolving these serious credit reporting issues, as they have caused undue stress and financial difficulties.

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