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: RI

Complaint narrative:
I am a victim of identity theft, and I have submitted multiple disputes to Equifax, TransUnion, and Experian regarding fraudulent student loan accounts appearing on my credit reports. Despite providing detailed explanations and evidence of inaccuracies, these credit bureaus have failed to properly investigate and remove the erroneous information within the required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct a reasonable investigation of disputed information and delete or modify inaccurate items. 
On XX/XX/XXXX, I sent formal dispute letters via certified mail to Equifax Information Services LLC ( XXXX XXXX XXXX XXXX, GA XXXX ), TransUnion LLC Consumer Dispute Center ( XXXX. XXXX XXXX, XXXX, PA XXXX ), and Experian ( XXXX. XXXX XXXX, XXXX, TX XXXX ). These letters included copies of my driver 's license, Social Security card ( last four digits : XXXX ), and a recent bank statement to verify my identity. In the disputes, I specifically identified the following fraudulent accounts resulting from identity theft, all reported under " DEPTEDXXXX  '' ( likely Department of EducationXXXX XXXX XXXX which I did not authorize, apply for, or benefit from : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( multiple instances ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ( multiple instances ) These accounts are listed multiple times on my reports ( approximately 10 entries across the bureaus ) and are negatively impacting my credit score, finances, and ability to obtain credit. I did not authorize these accounts or any associated inquiries, and my personal information was used without my consent, in violation of the Gramm-Leach-Bliley Act ( GLBA ) Section 502, which prohibits the disclosure of nonpublic personal information without consumer permission. Additionally, these appear related to broader identity theft issues, as evidenced by my FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXXXXXX  ), which documents unauthorized use of my information. 
Under FCRA 1681i, upon receipt of my disputes, the bureaus were required to conduct a reasonable investigation, notify the furnishers, and delete unverifiable or inaccurate information within 30 days. They have not done so, nor have they provided any confirmation of investigation results or updates to my reports. This failure constitutes a violation of my rights under federal law and has caused me ongoing harm, including financial stress, denied credit opportunities, and emotional distress requiring medication. 
I request that the CFPB investigate this matter and require Equifax, TransUnion, and Experian to : Immediately investigate and permanently remove the identified fraudulent accounts and any related inquiries from my credit reports. 
Provide written confirmation of the removal and updated credit reports to me. 
Notify the furnisher ( DEPTEDXXXX ) of the inaccuracies and that the data should not be re-reported. 
Impose any appropriate penalties for non-compliance with FCRA requirements. 

I have attached copies of my FTC Identity Theft Report, the dispute letters sent to the bureaus, my driver 's license, Social Security card, and bank statement as evidence. Thank you for your assistance in resolving this issue.

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