Consumer complaint received 2025-05-17 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: LA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Identity Theft / Unauthorized Account / Final Notice Before Lawsuit Consumer Name : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXXXXXX LA XXXXXXXX Phone Number : ( XXXX ) XXXX Email : XXXX Date : XXXX XXXX Complaint Summary : I am filing this formal complaint against the following credit reporting agencies : Experian Information Services, LLC TransUnion LLC Equifax Information Services, LLC These agencies have willfully and negligently continued to report an unauthorized student loan account listed as Dept of ED/XXXXXXXX XXXX XXXX multiple formal disputes and lawful notices submitted under both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), XXXX U.S.C. XXXXd. 

Nature of the Complaint : Unauthorized Account Reporting I never applied for, authorized, or benefited from the alleged student loan account. I have never signed a promissory note, credit application, or agreement regarding this account. 
Failure to Delete Under 15 U.S.C. XXXXd Despite invoking my rights under XXXX, the bureaus have refused to delete the unauthorized tradeline, which by law should not be reported against me without verified authorization. 
False Verification & Inaccurate Reporting The credit bureaus repeatedly mark the account as verified without producing any lawful documentation or supporting evidenceconstituting willful misreporting under 15 U.S.C. XXXX ( b ), XXXX, and XXXX. 
Denial of Fraud Block Requests My fraud block requests were improperly denied, and the account continues to harm my credit profile. 
Harm Caused : Significant drops in my credit score Denial of credit opportunities Reputational harm Emotional distress Violation of my consumer and civil rights Resolution Demanded : Permanent deletion of the Dept of ED/XXXX account from all three credit reports Cessation of all future reporting or reinsertion of the account Written confirmation of removal and compliance with XXXX Compensation of {$1000.00} per late payment mark as damages for unlawful reporting and emotional harm I have attached supporting documentation, including : Identity affidavit Account dispute notices A formal invoice for damages totaling {$5000.00} Final Notice of Intent to Sue Final Notice Before Litigation : If this matter is not resolved within XXXX days, I will initiate civil litigation in XXXX XXXX XXXX and pursue : Statutory and actual damages under FCRA and XXXX Declaratory and injunctive relief Legal fees and court costs Regulatory escalation and press release of this abuse This is the final opportunity for Experian, TransUnion, and Equifax to correct the record and comply with federal consumer law before full legal action commences. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX | Without Prejudice XXXX XXXX XXXXXXXX XXXX, LA 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