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: GA

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 - 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 ) 1681i, 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 may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX. XXXX XXXX - XXXX - This account is reporting a derogatory mark on TransUnion and Equifax while showing as open and in good standing on Experian. This is a clear inconsistency and inaccuracy in reporting. Under FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and consistent information across all credit bureaus. I demand this inaccurate derogatory mark be removed immediately to prevent further harm to my credit profile. Failure to comply may result in legal action under FCRA 1681n for willful noncompliance. 
XXXX. XXXX XXXX - 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 ) 1681i, 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 may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights.

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