Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am writing to formally file a complaint against the credit reporting bureaus ( Experian, XXXX XXXX XXXX  ) for failing to properly investigate fraudulent accounts and inquiries listed on my credit report. I am a victim of identity theft, and I have already reported this to the bureaus, as well as submitted the appropriate documentation including an FTC Identity Theft Report. 

Fraudulent information reported : XXXX XXXX Account # : XXXX * * * * Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$700.00} XXXX XXXX : {$500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Despite my efforts, these bureaus have failed to conduct a reasonable and thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605 ( b ), these bureaus are obligated to block fraudulent information on my credit report upon notification, and their failure to comply with this requirement is a clear violation of my rights. 
Here are the relevant details for my case : Identity Theft Statement : I am a victim of a data breach and identity theft, and I have provided the bureaus with my FTC Identity Theft Report for validation. 
Accounts in Question : Several fraudulent accounts have appeared on my credit report, and I have requested these be blocked per the FCRA. Despite this request, the accounts remain unresolved, and the investigation process has not been properly executed.

Violation of FCRA : Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have requested that these fraudulent accounts be blocked and permanently removed from my credit file. However, the bureaus have failed to act in a timely manner or provide proper resolution. 
This ongoing failure to investigate the fraudulent activity not only violates my consumer rights but also damages my ability to secure proper credit and financial stability. 
I request your assistance in the following : XXXX. Investigating the actions ( or lack thereof ) of Experian, XXXX XXXX XXXX in this matter and ensuring that they are held accountable for not complying with the FCRA requirements. 
XXXX. Facilitating the proper blocking and permanent removal of these fraudulent accounts from my credit report. 
XXXX. Ensuring that this issue is rectified as soon as possible and that I receive written confirmation of the actions taken. 
Attached are copies of my FTC Identity Theft Report and other relevant documents for your review. Thank you for your attention to this serious matter. I look forward to your assistance in resolving this issue promptly. 


XXXX XXXX

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