Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Look, I'm at my wit 's end here. I already tried filing a complaint with you guys before ( complaint XXXX XXXXXXXX ) which I wrote myself, but somehow it got shut down on the same day. That doesn't seem right to me - shouldn't there be some kind of actual review process? 

My credit is completely trashed because of identity theft and the three credit reporting companies- Experian, Equifax, and TransUnion- they just don't seem to care. I've been going round and round with them for months now and nothing gets fixed.

Here 's the deal - someone stole my identity and opened a bunch of accounts in my name. I even filed a report with the FTC about it ( report number XXXX ) but these credit companies act like that doesn't matter. They keep telling me all these fake accounts are legitimate when I know for a fact they're not. 

What really gets me is that I've been doing my homework on this stuff, and it turns out a lot of these accounts aren't even being reported correctly according to the rules these companies are supposed to follow. There's something called Metro 2 format that they have to use, and from what I can tell, they're breaking their own rules left and right.

Let me break down what's happening on my credit reports : First off, there's this company XXXX XXXX that has two accounts listed under my name - numbers XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX  I never opened either one. What's crazy is they're showing these as collections but also as charge-offs at the same time. From my research, that's not how it's supposed to work under Metro 2- you can't have it both ways. Plus they don't even say who I supposedly owed the money to originally. 

Then there's XXXX XXXX with account XXXXXXXX XXXX XXXX  that they say came from XXXXXXXX XXXX Same problem- they're double-dipping by calling it both a collection and a charge-off. I never even had a XXXX XXXX account, so this is obviously bogus. 

XXXX XXXX XXXX has account XXXXXXXX XXXX XXXX  on there as a collection/charge-off. Never heard of them before this showed up on my credit. The way they're reporting it seems to go against Metro 2 guidelines. 

XXXX  XXXX account XXXXXXXX XXXX XXXX  is listed as collection/charge-off and there's this weird note that says " Dispute resolved ; reported by grantor '' but it's still hurting my XXXX XXXX. That doesn't make any sense- if the dispute was resolved, why is it still there as a negative mark? I never had any XXXX XXXX account go bad. 

XXXX shows up three different times on my reports : - Account XXXXXXXX XXXX XXXX supposedly from XXXX XXXX Trust as a collection - Account XXXXXXXX XXXX XXXX  also from XXXX XXXX XXXXXXXX but as a charge-off - Account XXXXXXXX XXXX XXXX from XXXX as a charge-off XXXX never banked with First Bank Trust or had that XXXX account XXXX Having three separate entries with similar account numbers seems fishy to me, and the reporting format doesn't look right. 

XXXX has account XXXXXXXX XXXX listed as collection/charge-off from something called XXXX XXXX at XXXX XXXX XXXX I've never lived at any apartment complex with that name. 

XXXX XXXX shows account XXXXXXXX XXXX XXXX as collection/charge-off from XXXXXXXX XXXX. I definitely never took out any loan from XXXX. 

There's XXXX XXXX with account XXXXXXXX XXXX from XXXX XXXX Loans showing as collection/charge-off. This one 's connected to another bogus XXXX XXXX XXXX account, which makes me think whoever stole my info really went to town with that XXXX XXXX. 

XXXX XXXX NEGATIVE SHARE account XXXXXXXX XXXX XXXX  is also showing as collection/charge-off. I've never even been to XXXX, let alone joined their credit union. 

And then there's all these credit cards that supposedly got charged off : - XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XXXX account XXXXXXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX account XXXXXXXX XXXX XXXX  None of these are mine. What's weird is some of these account numbers are the same as other accounts listed elsewhere on my report, which doesn't seem right according to proper reporting standards. 

The personal info on my reports is all screwed up too. Sometimes they have my name as " XXXX XXXX '' and other times it's " XXXX XXXX XXXX '' which isn't even close to my real name. They've got addresses listed that I never lived at. This kind of sloppy record-keeping violates the Fair Credit Reporting Act.

My reports also show a bunch of credit inquiries I never authorized - 6 on TransUnion, 7 on Experian, 3 on Equifax. These probably happened when the identity thief was trying to open accounts.

Even my legitimate accounts are showing incorrect info. My car loan with XXXX  ( account XXXXXXXX XXXX XXXX  ) shows late payments from XXXX that never happened. My XXXX financing ( account XXXXXXXX XXXX XXXX  ) shows a late payment from XX/XX/XXXX that's not accurate either. I've always been current on my car payments. 

I've written to all three credit bureaus multiple times. I've sent copies of my driver 's license, utility bills, the FTC identity theft report - everything they asked for. But they keep sending back these form letters saying they " investigated '' and everything is accurate. How can that be when these accounts aren't even mine?

This whole mess is wrecking my financial life. My credit score has tanked because of all these fake accounts. I can't refinance my mortgage to get a better rate. I got turned down for a car loan last month. Some employers are even checking credit now, so this could hurt my job prospects.

I've called the credit bureaus but they just tell me to write letters, which I've already done over and over. The collection companies either ignore my disputes or send back generic responses without any real proof.

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