Consumer complaint received 2025-06-03 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:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Unauthorized Credit Card Accounts Reporting on My Credit Files Across All Three Bureaus Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding two unauthorized credit card accounts that are currently appearing on all three of my consumer credit reports ( Experian, Equifax, and TransUnion ). These accounts were not opened by me, and I am requesting that they be permanently deleted from my credit files pursuant to federal consumer protection laws. 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX00.00} XXXX. XXXX XXXX XXXX : {$1600.00} I want to clarify that I do have XXXX legitimate XXXX XXXX credit card, which is in good standing and actively used by me. However, the second XXXX XXXX account listed above was fraudulently opened without my knowledge or authorization. Likewise, I have never applied for or opened any XXXX credit card account. 
These fraudulent accounts are negatively impacting my credit standing and are the direct result of identity theft, which I strongly suspect is linked to prior data breaches that exposed my personal information. I have filed an FTC Identity Theft Affidavit and am including all supporting documentation, including : Copy of the FTC Identity Theft Report Copy of my government-issued ID Copy of my Social Security card Utility bill verifying my address Copy of my credit reports showing the disputed accounts Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protection against the reporting of fraudulent and inaccurate credit information. The following sections are directly applicable : 15 U.S.C. 1681c-2 This provision requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving proper documentation and a written request.

15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the data they report.

15 U.S.C. 1681i Mandates that a reinvestigation must be conducted when a consumer disputes the accuracy or completeness of information and that unverifiable or fraudulent information be promptly deleted from the consumers credit file.

15 U.S.C. 1681n & 1681o These provisions establish civil liability for willful and negligent noncompliance with the FCRA, including the continued reporting of fraudulent information after notice has been provided.

Requested Resolution : I am respectfully requesting that the CFPB assist in compelling all three credit bureausExperian, Equifax, and TransUnionto : Permanently delete the unauthorized XXXX  XXXX ( {$4300.00} ) and XXXX Card ( {$1600.00} ) accounts from my credit reports Block any future reinsertion of these accounts without strict verification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Ensure full compliance with the FCRA and take enforcement action if necessary I am prepared to provide additional documentation if needed and would appreciate any support your agency can provide in ensuring my rights under federal law are upheld. 

Thank you for your time and attention to this matter. 

Sincerely, 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