Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am submitting my FTC Identity Theft Report ( XXXX XXXXXXXX ), along with my government-issued ID, proof of address, and this written statement. I am a victim of identity theft and did not authorize the fraudulent credit card and collection accounts currently appearing on my Experian credit report. I have disputed these accounts multiple times, but they continue to be reported without proper validation or removal. Some were marked closed but never deleted, in direct violation of the Fair Credit Reporting Act ( FCRA ), including 1681c-2. Due to the FTC portals limitation of XXXX items per submission, only a portion of the fraudulent accounts were listed in my original FTC filing. However, all XXXX accounts referenced below are part of the same identity theft event and are formally included in this dispute under FCRA 1681c-2 ( Section 605B ). I request that Experian treat this as a unified identity theft claim and block all associated tradelines accordingly.Under Metro 2 credit reporting standards, data furnishers are required to report with accuracy and integrity. Accounts resulting from identity misuse or lacking enforceable contracts must not be verified without documented legal proof. Additionally, no IRS Form XXXX was issued for any accounts with balances over {$600.00}, which is a violation of IRS reporting regulations.The fraudulent accounts include : XXXX XXXX XXXX XXXX account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$890.00} ; XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, last reported XXXX and XX/XX/XXXX, with balances of {$1100.00}, {$620.00}, and {$580.00}, respectively ; XXXXXXXX XXXX  XXXX account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$1900.00} ; XXXX XXXX XXXX XXXX ending in XXXX XXXXXXXX and XXXX XXXXXXXX, last reported XXXX and XX/XX/XXXX, with balances of {$2100.00} and {$3700.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$580.00} ; First Savings XXXX XXXX XXXX XXXX account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$450.00} ; XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$630.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ending in XXXX XXXXXXXX and XXXX XXXXXXXX, last reported XX/XX/XXXX, balances {$440.00} and {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX, last reported XX/XX/XXXX, balance {$3700.00} ; and XXXX XXXX XXXX XXXX account ending in XXXX XXXX, last reported XX/XX/XXXX, balance {$820.00}. I am requesting the immediate and permanent deletion of these accounts from my Experian credit file under FCRA 1681c-2. I also request written confirmation that none will be reinserted unless Experian fully complies with 1681c-2 ( d ) by obtaining legally sufficient documentation. Please note that my personal information was exposed in the XXXXXXXX XXXX data breach, which increases the likelihood that these fraudulent accounts resulted from unauthorized use of my identity. Although this breach originated with another bureau, it raises a broader obligation among all credit reporting agencies to ensure consumer data is not used fraudulently or reported without proper substantiation. Continued reporting or verification of these unauthorized accounts without full legal documentation may constitute willful noncompliance under FCRA 1681n and 1681o. I request a full investigation and written confirmation that each of the above accounts has been permanently removed and will not be reinserted without my written consent and complete legal validation.

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