Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to report continued unlawful, inaccurate, and unauthorized reporting by Equifax, Experian, and TransUnion despite my formal disputes and submission of FTC Identity Theft Report ( # XXXX ), confirming I am a victim of identity theft. 
Key Issue : Reporting Without My Permission Accounts have been reported on my credit file without my knowledge or consent, violating my rights under federal law : Under FCRA 1681b ( 15 U.S.C. 1681b ), credit bureaus may only report information with a permissible purpose, which they do not have when accounts are fraudulently opened. 
This reporting without my permission, and the continued reporting after receiving my FTC Identity Theft Report, constitutes a clear violation. 
Key Issue : Inaccurate Reporting The credit bureaus and furnishers are reporting : Incorrect statuses, showing charged-off accounts as collectible. 
Accounts that are unverifiable or lack validation documentation. 
Fraudulent accounts opened without my permission, which are inaccurate by nature. 
Under FCRA 1681e ( b ), bureaus are required to maintain maximum possible accuracy. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. 
Timeline of Efforts : XX/XX/year> : Fraudulent accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported without my authorization. 
XX/XX/year> : Initial disputes filed with Experian. 
XXXX XXXX XXXX  : Follow-up disputes sent to Experian, Equifax, and TransUnion XXXX 
XX/XX/year> : Filed FTC Identity Theft Report # XXXX. 
Despite these actions, the bureaus failed to delete these fraudulent, inaccurate, and unauthorized accounts and inquiries. 
Accounts in Dispute : XXXX : {$0.00} charged-off, reported as collectible. 
XXXX XXXX  : {$2300.00} charged-off, reported as collectible. 
XXXX XXXX XXXX XXXX : {$3900.00} charged-off, reported as collectible. 
XXXX XXXX XXXX XXXX : {$230.00}, unverifiable with no account number. 
XXXX XXXX : Inaccurate XXXX late payment on a closed, paid account. 
Unauthorized Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Laws Being Violated : FCRA 1681b : Reporting without a permissible purpose.

FCRA 1681e ( b ) : Inaccurate reporting.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information that is or should be known to be inaccurate.

FCRA 611 : Failure to conduct reinvestigations within 30 days.

FDCPA 1692g ( a ) : Failure to validate debts before reporting.

FTC Identity Theft Guidance : Ignoring my FTC report and continued reporting after notification. 
Personal Impact : Denials of credit and housing due to fraudulent entries. 
Emotional distress and wasted time correcting these issues. 
Financial harm from higher interest rates due to inaccurate reports. 
Supporting Documentation : FTC Identity Theft Report ( # XXXX ) Dispute letters to all three credit bureaus Record of unauthorized inquiries and fraudulent accounts

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