Consumer complaint received 2025-05-12 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:
Dear Experian, I am writing to formally dispute certain information contained in my credit report, as permitted under 15 U.S.C. 1681 et seq., the Fair Credit Reporting Act ( FCRA ). I am a consumer, and I believe that the information reflected in my credit report is inaccurate and violates my rights under the FCRA. Attached you will find the report from XXXX showing where they have investigated the fraudulent addresses, public records and accounts that are fraudulent caused by identity theft. You will also find a copy of the police report, the report from the FTC identity theft division. I have met every requirement for the removal and blockage of every account related to the identity theft. 
The specific information I am disputing is as follows:1. Installment XXXX XXXX  opened XX/XX/XXXX Account # XXXX. This is not my account and I have never had this account. This account is from a fraudulent address as you can see from the XXXX report page 2 items 1, 3, 4, 5, 12 and 13. 
2. Mortgage- XXXX  XXXX XXXX XXXX XX/XX/XXXX. This is not my account and I have never had this account. This account is from a fraudulent address as you can see from the XXXX report page 2 items 1, 3, 4, 5, 12 and 13. 
3. InstallmentXXXX XXXX XXXX XXXX XX/XX/XXXX. This is not my account and I have never had this account. This account is from a fraudulent address as you can see from the XXXX report page 2 items 1, 3, 4, 5, 12 and 13. 
I have reviewed my credit report, which was obtained from your bureau on XX/XX/XXXX and I found the aforementioned item to be incorrect. Under the FCRA, I am entitled to dispute any information I believe to be inaccurate or incomplete. 
According to 15 U.S.C. 1681i, you are required to investigate my dispute, review the information provided, and correct any inaccuracies found in my file. In support of my dispute, I have included the following documentation : 1. Report from XXXX Dated XX/XX/XXXX XXXX. Report dated XX/XX/XXXX from XXXX. 
3. Police report dated XX/XX/XXXX ( Report # XXXX ) showing fraudulent accounts reported. 
4. FTC Report ( Report # XXXX ) stating the fraudulent accounts, when it happened and when I realized the information. 
5. Copy of identity information Please take the necessary steps to correct the inaccuracies in my credit report and block all accounts associated with the fraudulent address ( XXXX XXXX XXXX XXXX XXXX TX XXXX. After your corrections is complete, I request that you provide me with written confirmation of the results and, if applicable, an updated copy of my credit report showing the corrected information. 
In accordance with the FCRA, I expect a response to my dispute within 30 days of your receipt of this letter. Thank you for your attention to this matter. I look forward to your prompt response.

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