Consumer complaint received 2025-11-23 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: MD

Complaint narrative:
I am submitting this complaint because Experian  is reporting inaccurate and adverse information on my credit file that does not belong to me, even though I am a documented victim of identity theft and have repeatedly disputed these items. Experians continued reporting of these accounts appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including its duties under 1681e ( b ), 1681i, and 1681c-2, as well as XXXX consumer credit reporting and consumer protection laws. 
In XXXX I discovered that my Experian credit report contained collection accounts that I did not recognize and had never authorized. The main adverse items are : A XXXX collection account reporting an outstanding balance of approximately {$700.00} ; and A collection account reported by XXXX XXXX XXXX on behalf of an original creditor identified as XXXX, reporting a balance of approximately {$2500.00}. 
I have never opened, used, or agreed to any account that would legitimately result in these collection tradelines being reported on my file. 
After discovering these items, I began disputing them directly with Experian. Over the past year I have submitted multiple disputes, along with extensive identity-theft documentation, including an FTC Identity Theft Report, a police report, an ICC report XXXX and written explanations that these specific collection accounts are not mine. My Experian file also includes a fraud/security alert stating that my personal information may have been used without my consent and instructing creditors to verify identity before extending credit. 
Despite being on notice that I am a victim of identity theft and receiving this documentation, Experian has continued to report these collection accounts as valid. The only change has been the addition of dispute-type comments indicating that the information was disputed and verified, instead of removing the tradelines from my credit file. Experian has not provided any evidence that I opened or used the underlying accounts. As of my most recent Experian report in XX/XX/XXXX, both the XXXX and XXXX XXXX XXXX XXXX accounts remain and are still being treated as active derogatory items. 
This conduct is inconsistent with Experians obligations under the FCRA to : follow reasonable procedures to assure maximum possible accuracy of the information it reports ( 1681e ( b ) ) ; correct or delete inaccurate or unverifiable information after a consumer dispute ( 1681i ) ; and properly handle identity-theft-related information and block such information when appropriate ( 1681c-2 ). 
As a Maryland resident, I am also protected by XXXX Consumer Credit Reporting Agencies Law and the Maryland Consumer Protection Act, which require fair, accurate, and non-misleading credit reporting practices. Experians refusal to remove identity-theft-related and not mine information from my file is not consistent with these protections. 
The impact on my life has been significant. Because of these inaccurate collection accounts, my Experian-based credit score is substantially lower than it should be ( in the XXXX range ), and my report shows serious derogatory information tied to debts that are not mine. This has contributed to denials of credit, including a denial for a home loan, and has made it difficult to qualify for safe, affordable credit products and reasonable interest rates. The continued presence of these erroneous tradelines is a major financial barrier for me and my family and is preventing me from moving forward financially.

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