Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX OF ED/XXXX  - XXXX - This open account reflects a XXXX late payment, which is inaccurate and damaging. I have a consistent and strong payment history. Under FCRA XXXX ( b ), you are required to ensure all information reported is accurate. Correct this error immediately and update the account to reflect a positive payment history. 
XXXX. XXXX OF ED/XXXX  - XXXX - This open account reflects a XXXX late payment, which is inaccurate and damaging. I have a consistent and strong payment history. Under FCRA XXXX ( b ), you are required to ensure all information reported is accurate. Correct this error immediately and update the account to reflect a positive payment history. 
XXXX. XXXX XXXX XXXX - XXXX - This open account reports inaccurate payment history, violating FCRA XXXX ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX. XXXX XXXX BANK - XXXX - This open account reports inaccurate payment history, violating FCRA XXXX ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX. XXXX XXXXLEAD BA - XXXX - This is a closed and paid account reporting a XXXX late payment on Experian, which is inaccurate. Under FCRA XXXX ( b ), you are required to report with maximum possible accuracy. I have a positive payment history, and this derogatory mark is false and damaging. I demand this error be corrected immediately to reflect a good payment standing. 
XXXX. XXXX XXXX XXXX - XXXX - I demand immediate action under XXXX U.S.C. XXXX ( XXXX ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), block and remove all fraudulent data from my credit file within XXXX business days. 
XXXX. XXXX XXXXL/LEAD BA - XXXX - I demand immediate action under XXXX U.S.C. 
XXXX ( XXXX ) due to the fraudulent use of my personal information without consent. This is identity theft and has been reported to the FTC see attached report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), block and remove all fraudulent data from my credit file within XXXX business days. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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