Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX - This is a closed and paid account that is inaccurately reporting negative late payments, which is a direct violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) requiring data furnishers to report accurate and complete information. 
These errors are harming my credit profile and misrepresent my payment history. I demand immediate correction or removal of this inaccurate reporting to reflect a positive payment history. Failure to comply will result in legal action under FCRA 1681n. 
XXXX XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 
XXXX XXXX  XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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