Consumer complaint received 2025-07-07 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX To : -Experian Subject : Formal Dispute Regarding Fraudulent Charges on My Credit Report Dear Experian, I am writing to formally dispute several items on my credit report that are inaccurate and fraudulent. Despite my five prior requests over the past year, these errors have not been resolved. I have attached court orders confirming that the debts in question belong to XXXX XXXX XXXX and not me. You guys did dclose the accounts in question and remove them yet you allowed her to get past your fraud lock a and reinsert them, not even legitimately this time, on to my report again. Its also shows some accounts were updated again you EXPERIAN allowed her to do all these things and your site is very insecure and completely wrong. For two or three months and after submitting several disputes and sending you the identity theft report, the court order from a judge making her responsible for these debts, an Affidavit I filed with the FTC, your incompetence allowing her to access and get past your security lock and failing to inform me or to follow protocol as you should of is costing me daily, Experian needs to fix my report as it was as XXXXXXXX XXXX XXXX  or I will be forced to seek legal action and I rather just have you guys do your job correctly and follow the law and respect my rights. Additionally, I have included evidence of local and federal fraud charges against her. 
Disputed Items. XXXX XXXX XXXX seriously I need to now Closed accounts which you guys after over 18 months of disputing the fraudulent charges you guys let my ex wife passed your XXXX XXXX, lock for the second time, Its a gidgeace how you show absolutely no respect for my rights or the law. Experian did have my report correct for approximately 3-4 months then XXXX XXXX you guys let her passed your XXXX XXXX, let her fraudulently update her debts to my information, you guys ignored your own protocol and never validated the debts or contacted me in anyway! You say to call and i literally wasted 16-18 hours trying to contact a human. I find this so ironic and disrespectful, not to only to myself but you guys ( Experian ) did not ask her to do any f this. How ever she updated the debts that a court order assigned her the debts. It is blatantly disrespectful, dishonest and illegals on Experians behalf yet you want me to call which again. I age. Wasted at least 16 hours and can not get past the automated system, yet she clearly can which she is breaking identity theft and fraud laws and yet you focus on me saying I have to call which is impossible. I was trying to avoid seeking damages and pressing charges but if this is not cleared up like you guys did at the beginning of the year, you leave me no choice, I would live to hear from someone as to why its ok to trample on my rights and give me the run around and make me do impossible tasks yet you ( Experian ) let her do as she pleases which is illegal and violating my rights. Please explain! Oh wait its impossible to have any human contact!! 
Fraudulent Charges : These debts were fraudulently added to my report without proper validation or notification. I was never informed when these debts were attributed to me. 
Address Discrepancy : My report incorrectly lists an address at XXXX XXXX XXXX, which is not and has never been my residence. This address is associated with XXXX XXXX fraudulent activities. 
Supporting Documentation Court orders proving these debts are hers. 
Proof of federal and local fraud charges against XXXX XXXX. 
A copy of my credit report with the disputed items circled for your reference. 
Request for Resolution I demand the following actions be taken immediately : 1. Remove all fraudulent debts from my credit report.

2. Correct my address to reflect accurate information.

3. Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Your failure to properly validate these debts and address my repeated disputes violates my rights under the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved promptly, I will have no choice but to pursue legal action for damages caused by your negligence. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX LAST 4 of social XXXXXXXX XXXX XXXX this is beyond ridiculous how disrespectful I have been treated!!!

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