Consumer complaint received 2025-06-30 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 XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
2. DEPT OF EDUCATION/XXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
3. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
4. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
5. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information.

Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
6. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information.

Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
7. XXXX  - XXXX - This CLOSED account is falsely reporting a 180-day late payment, which is a blatant violation of FCRA 607 ( b ) s requirement for maximum accuracy. I have a strong and consistent payment history, and this false derogatory mark is severely damaging my credit profile. You are now in violation of FCRA 616 and 617 for willful and negligent noncompliance. I DEMAND this inaccuracy be corrected immediately to reflect my positive payment historyor you will face legal consequences. This is your FINAL WARNING. 
8. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
9. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
10. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
11. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
XXXX. XXXX XXXX XXXX - XXXX - This CLOSED and PAID account is maliciously and inaccurately reporting a 30-day late paymentdespite my strong and verifiable payment history. Under FCRA 607 ( b ), you are legally obligated to report only accurate and complete information. Continuing to report this false derogatory mark is a direct violation of FCRA 616 and 617 and exposes you to legal liability, including damages and penalties. I DEMAND the immediate deletion of this inaccuracy. This is your FINAL WARNINGtake corrective action now or face legal consequences. 
13. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
14. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
15. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
16. DEPT OF EDUCATIONXXXX - XXXX - This is an OPEN account that is recklessly and inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record, and this false reporting is blatantly damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are legally obligated to reinvestigate and correct any disputed information. 
Failure to take immediate corrective action constitutes a direct violation of federal law. I demand the full removal or correction of this inaccuracy without delay. If this issue is not resolved immediately, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance. This is your final notice. 
XXXXXXXX XXXX XXXXXXXX - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
18. XXXX - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
19. XXXX XXXX XXXX - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
20. XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX - I demand immediate and non-negotiable action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
21XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX - I demand immediate and non-negotiable action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
22. XXXX - XXXX - I demand immediate and non-negotiable action under 15 U.S.C. 
1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c- 2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 


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