Consumer complaint received 2025-11-27 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: MO

Complaint narrative:
I am submitting this statement to explain in detail what happened regarding the numerous derogatory accounts appearing on my credit report under my name. I want to make it absolutely clear from the beginning : I do NOT own these accounts, I never opened them, I never authorized them, and I have filed an FTC Identity Theft Report to document that these accounts resulted from fraud and identity theft. 

These fraudulent accounts have appeared on my credit reports with no connection to me, my finances, my history, my addresses, or any legitimate activity that I initiated. As a result, I have suffered major credit damage, financial losses, emotional hardship, and significant time wasted trying to resolve an issue I did not cause and for which I hold no responsibility. 

This statement provides a full and detailed explanation of what occurred, what steps I took, how the companies involved failed to provide proof or validation, and why I am requesting immediate investigation and removal of all derogatory accounts. 

XXXX. How I Discovered the Fraudulent Accounts I originally discovered that there was a serious problem when my credit score dropped unexpectedly. I had not taken out new credit, opened new accounts, fallen behind on any bills, or engaged in any actions that would explain such drastic changes on my reports. 

Concerned, I pulled all three of my credit reports from : Experian Equifax TransUnion When I reviewed the reports line by line, I was shocked to see multiple negative, derogatory, and collection accounts that I did NOT recognize. Many of the accounts were completely unfamiliar to me. I had never opened them, never received communications about them, never made payments, and never held any corresponding credit relationships. 

It immediately became clear that my identity had been compromised, and someone had used my personal information to create fraudulent accounts. 

XXXX. The Derogatory Accounts I Do NOT Own The following accounts are currently appearing as derogatory, charged off, or placed in collections. I am listing each one clearly to ensure that the CFPB understands : I do NOT own ANY of these accounts, have never authorized them, and have disputed every single one of them. 

XXXX XXXX XXXX This appears as a major derogatory account with details suggesting an auto loan or vehicle financing. I have never opened or co-signed any auto loan with XXXX XXXX. I have never owned the vehicle listed. I never signed any related contract. This account is 100 % fraudulent. 

B. XXXX XXXX ( XXXX XXXX ) This appears as a closed charged-off loan. I have never applied for or received any loan from XXXX XXXX. I have never visited XXXX of their branches, nor have I ever been in contact with this company. 

XXXX XXXX XXXX XXXX ( all listed accounts ) XXXX XXXX  is a debt buyer reporting a collection account for a debt I do NOT recognize. I have never opened the original account they claim to have purchased, and they have not provided any documentation proving I owe this debt. XXXX XXXX has a history of purchasing old, unverified debts, and this appears to be another example. I do not own ANY accounts associated with them. 

XXXX XXXX XXXX XXXX ( all listed accounts : XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting multiple collection accounts claiming I owe them money for accounts I have never opened, never authorized, and do not recognize. I have never received services, products, or credit from ANY company XXXX purchases debt from. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX is reporting a collection account with no original creditor details and no supporting documentation. I never opened this account, never received bills from them, and never had any financial relationship with any business that would sell a debt to XXXX. 

XXXX XXXX ( Account XXXX ) XXXX XXXX XXXXXXXX is attempting to collect a balance that appears to be medical, but I have never received medical services that resulted in this debt. I never received bills or notices related to this account. I do not own this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several closed or derogatory Courtesy Loans accounts that I do NOT recognize. I have never taken out a loan with this business, never received funds, never signed anything, and never authorized any credit inquiry or account opening. 

XXXX XXXX XXXX XXXX ( Child Support Account ) A child support-related account is appearing in my credit report even though I have never had any child support obligation, court order, or legal responsibility that would justify its existence. This too is fraudulent. 

I. Any other derogatory account listed under my name If there are any additional negative, collection, or charged-off accounts not explicitly listed above, I dispute all of them as well. I do not own ANY of the derogatory accounts currently appearing on my report. 

XXXX. I Filed an FTC Identity Theft Report Declaring All Accounts Fraudulent Because I do NOT own ANY of these accounts, and because the presence of these accounts is consistent with identity theft, I filed an FTC Identity Theft Report as required under federal law. 

The FTC Identity Theft Report states clearly : These accounts do NOT belong to me I did NOT create or authorize these accounts I did NOT receive goods, services, funds, or benefits from these accounts These accounts are fraudulent I am seeking removal of all fraudulent information I am a victim of identity theft With this report, I also initiated formal disputes with the credit bureaus and the individual furnishers responsible for reporting these accounts. 

XXXX. None of the Companies Have Provided Validation or Proof That I Own These Accounts Under both the FCRA and FDCPA, companies reporting or collecting a debt MUST provide documentation proving that the debt is legitimate. 

This includes : A signed contract A credit application with verified identity Proof of funds transferred or goods/services received A full itemized statement of charges Chain of assignment if the debt was sold Historical account records Proof that I authorized the account However, none of the companies reporting these accounts provided ANY of the above. 

Instead, most responded with : Generic letters Automated dispute responses We verified the account with no documentation Requests for more time Statements that they are waiting on documents Not a single company provided evidence that I : Signed a contract Applied for the credit Owned the account Received the services Authorized the transaction This strongly supports my claim that these accounts were opened fraudulently. 

XXXX Credit Bureaus Did Not Properly Investigate I disputed each account with : Experian Equifax TransUnion The credit bureaus responded unusually quickly and failed to provide : A Method of Verification Copies of documents used to verify the debt ANY actual evidence that the accounts belong to me This indicates the bureaus performed automated e-OSCAR verifications, which are NOT compliant with federal reinvestigation standards. 

This failure to investigate properly has allowed the fraudulent accounts to remain. 

XXXX. These Fraudulent Accounts Have Caused Serious Harm The presence of these accounts has caused : A. Severe Credit Damage Multiple derogatory accounts have significantly lowered my credit score. 

B. Denials for Credit I have been denied for legitimate credit applications. 

XXXX Higher Interest Rates When I was approved for credit, interest rates were much higher due to fraudulent derogatory accounts. 

XXXX Lost Opportunities Housing, auto financing, and financial opportunities have been impacted. 

XXXX Emotional Distress Identity theft is deeply stressful and damaging, especially when companies refuse to remove fraudulent data. 

XXXX Financial Losses I have spent time and money disputing accounts I never opened. 

XXXX. Identity Theft Protections Apply These Accounts Must Be Blocked Under Law Federal law, including FCRA 605B, states that : If a consumer files an FTC Identity Theft Report And disputes an account as fraudulent THEN : All fraudulent accounts must be BLOCKED and REMOVED. 

No company has the legal authority to continue reporting or collecting on an identity theft account once proper documentation is submitted. 

By continuing to report these accounts, the furnishers are : Violating federal identity theft regulations Furnishing inaccurate data Failing to investigate Harming me as a consumer These companies MUST comply with the law. 

XXXX. What I Expect Moving Forward The only fair and lawful resolution is that each company involved : Removes the fraudulent account Blocks it permanently Ceases all reporting Stops all collection activity Provides written confirmation of removal Ensures the account is never reinserted I am requesting a full investigation from the CFPB into : How these accounts were opened How they were reported without proof Why furnishers failed to validate Why credit bureaus failed to reinvestigate Why identity theft protocols were ignored XXXX. Summary of What Happened To summarize : Multiple fraudulent and derogatory accounts appeared on my credit reports. 

I do NOT own, recognize, or authorize any of these accounts. 

They were opened through identity theft. 

I filed an FTC Identity Theft Report. 

None of the companies provided proof I opened these accounts. 

The credit bureaus failed to properly investigate. 

These accounts have caused significant credit, financial, and emotional harm. 

Under federal law, these fraudulent accounts must be removed immediately. 

XXXX. Final Statement I reiterate the following with complete clarity and seriousness : I do NOT own ANY of these accounts. 
They are ALL fraudulent. 
I have filed an FTC Identity Theft Report. 
I am requesting full removal and investigation. 

I am asking the CFPB to intervene to ensure that my rights under federal law are honored and that these fraudulent derogatory accounts are permanently deleted from my credit reports.

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