Consumer complaint received 2025-05-28 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:
I am submitting this complaint because my Experian credit report still contains inaccurate and fraudulent information, despite a previous complaint ( CFPB Complaint Number : XXXX ). While Experian has stated it removed some entries, my most recent Experian credit report, dated XX/XX/XXXX, still displays fraudulent items. I have an Identity Theft Report from the Federal Trade Commission ( FTC Report Number : XXXX ) which verifies that these accounts were opened without my authorization. In fact, my Experian report already contains an identity fraud victim alert that I placed on XX/XX/XXXX, stating that fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services, and not to extend credit without first contacting me personally. This alert will remain for seven years. 

The fraudulent items still persisting on my Experian credit report include : XXXX XXXX XXXX ( Auto Loan ) : This account, with a balance of {$20000.00} and opened on XX/XX/XXXX, shows XXXX late payments. My FTC Identity Theft Report states that my identity has been used without my consent to obtain goods or services. Given the presence of multiple fraudulent accounts and the XXXX fraud alert on my Experian report, I request a thorough investigation into the opening and activity of this account to determine if it is a result of fraudulent activities. 

XXXX XXXX XXXX ( Credit Card - XXXX ) : This account, opened on XX/XX/XXXX, is listed as closed but shows XXXX late payments ( XXXX, XXXX, and 90 days late ). My FTC Identity Theft Report explicitly identifies this as a " Credit Card Opened by the Thief '' and states it was opened without my authorization, with the fraud beginning in XX/XX/XXXX and discovered in XX/XX/XXXX. Experian stated in its response to the previous complaint that " some of the disputed account ( XXXX ) has been removed '', however, this specific account still appears on my Experian report. This demonstrates that the information has either not been removed or has incorrectly reappeared. 

XXXX XXXX ( XXXX Account ) : This account, opened on XX/XX/XXXX, is listed as closed with " Exceptional payment history ''. My FTC Identity Theft Report identifies this as a " Credit Card Opened by the Thief '' and states it was opened without my authorization, with the fraud beginning in XX/XX/XXXX and discovered in XX/XX/XXXX. Experian stated in its response to the previous complaint that " some of the disputed account ( XXXX ) has been removed '', however, this specific account still appears on my Experian report. This demonstrates that the information has either not been removed or has incorrectly reappeared. 

XXXX XXXX XXXX ( Line of Credit - XXXX ) : This account, opened on XX/XX/XXXX, has a balance of {$970.00} and is listed as closed with " Exceptional payment history ''. Although it appears to have an excellent payment history on the Experian report, my FTC Identity Theft Report states that a " XXXX XXXX XXXX '' account was opened without my authorization. Given the clear evidence of fraud on another XXXX XXXX XXXX account, I request a thorough investigation to determine if this account is also a result of fraudulent activities. 
Under Florida law, specifically Florida Statute 817.568, victims of identity theft are entitled to have fraudulent accounts removed from their credit reports. The persistence of these fraudulent accounts on my Experian report after my initial CFPB complaint is unacceptable and in violation of my rights as an identity theft victim.

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