Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX - XXXX - This account is inaccurately reporting a closed status with an open rating, which is contradictory and misleading. Under FCRA XXXX ( b ), the information reported must be accurate and complete. This inaccuracy is harming my credit profile. I demand immediate correction or deletion of this account. Failure to comply may result in legal action under FCRA 1681n for willful noncompliance. 
XXXX. XXXX XXXX - XXXX - This is a closed account inaccurately reporting negative payment history. I have a positive payment record, and under FCRA 1681e ( b ), you are required to maintain maximum accuracy. I demand immediate correction to reflect a good payment history and prevent further damage to my credit profile. 
XXXX. XXXX XXXXXXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) XXXX, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly XXXX constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX. XXXX XXXX - XXXX - This is a closed and paid account inaccurately reporting a current status, which is misleading and damaging to my credit profile. Under FCRA 607 ( b ), furnishers are required to report complete and accurate information. I demand immediate correction or removal of this inconsistency. Failure to comply may result in legal action under FCRA 1681n for willful noncompliance. 
XXXX. XXXX XXXX - XXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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