Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
Complainant : I, XXXX XXXX, reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. I am a victim of identity theft. I am submitting my FTC Identity Theft Report and supporting documents. I did not apply for, open, authorize, or benefit from the accounts and hard inquiries listed below. They are the product of identity theft and are harming my credit, credit access, and reputation. 

Fraudulent items on my credit reports ( to be blocked/deleted ) : Collections/ tradelines ( identity-theft, not mine ) : XXXX XXXX XXXXXXXX XXXX  {$440.00} XXXX XXXX XXXX XXXX  {$290.00} XXXX XXXXXXXX XXXX XXXX  {$600.00} XXXXXXXX XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  {$900.00} XXXX XXXX {$0.00} ( reported late payment ) XXXX XXXX {$1700.00} Hard inquiries ( no permissible purpose/ not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Acceptance. 

Legal basis and relief requested I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and related laws : 1. Identity-theft block ( 15 U.S.C. 1681c-2 / FCRA 605B ). Credit reporting agencies must block the reporting of information that resulted from identity theft within four ( 4 ) business days after receiving : ( a ) proof of identity, ( b ) my identity-theft report, ( c ) identification of the information to block, and ( d ) my statement that the information is not my transactions. I request an immediate block and suppression of all items listed above across Equifax, Experian, and TransUnion.

2. Reinvestigation & deletion ( 15 U.S.C. 1681i / FCRA 611 ). CRAs must conduct a reasonable reinvestigation within 30 days and delete any information that can not be verified as accurate and authorized by me. Provide the Method of Verification and the furnisher contact/records per 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Furnisher duties ( 15 U.S.C. 1681s-2 / FCRA 623 ). Each furnisher and collector notified by a CRA must investigate, cease reporting information that is inaccurate or can not be verified as belonging to me, and delete it if invalid. They must also report my dispute status to all CRAs.

4. Permissible purpose for inquiries ( 15 U.S.C. 1681b ). Hard inquiries require my application/authorization or another lawful permissible purpose. Because I did not apply for these products, the listed inquiries are unauthorized and must be removed.

5. Fraud alerts ( 15 U.S.C. 1681c-1 / FCRA 605A ). Based on my identity-theft report, I request a seven-year extended fraud alert and that my contact information be used to verify any future applications.

6. Identity-theft records from businesses ( 15 U.S.C. 1681g ( e ) / FCRA 609 ( e ) ). To the extent any furnisher or collector claims a legitimate account, provide me ( and law enforcement upon request ) with application records, transaction logs, IP/device data, delivery addresses, phone numbers, and signatures used to open or transact on the alleged accounts.

7. Debt collection conduct ( FDCPA, 15 U.S.C. 1692 et seq. ). Any debt collector must cease collection on disputed identity-theft debts until validation is provided ( 15 U.S.C. 1692g ). Reporting unvalidated identity-theft debts to CRAs is deceptive and unfair ( e.g., 1692e, 1692f ).

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