Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing this complaint because a fraudulent XXXX account is appearing on my credit report. I have never opened or authorized any XXXX account, and yet XXXX and the credit bureaus are reporting the following account : XXXX Reported : XX/XX/year> Balance : {$0.00} Status : Closed Although the account shows a {$0.00} balance and closed status, it is not mine, and its presence on my credit report constitutes inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

I did not apply for, open, authorize, or use any XXXX account at any time. This means the reporting of this account is the result of identity theft, mixed-file reporting, or improper furnishing of inaccurate information. 

Under the FCRA, furnishers and credit bureaus are strictly prohibited from reporting information that is inaccurate, unverifiable, or belongs to another consumer. 



FCRA Violations Involved 1. FCRA 602 & 607 Accuracy Requirements XXXX and the credit bureaus must maintain maximum possible accuracy in consumer reports. Reporting an account that does not belong to me violates this requirement. 

2. FCRA 609 My Right to Full Disclosure I have the right to obtain verification and documentation supporting the account. XXXX has not provided any proof that I opened this account. 

3. FCRA 611 Reinvestigation Requirement I disputed this account with the credit bureaus, but they have failed to provide proper validation, or removal of the fraudulent account.

This constitutes noncompliance with the 30-day reinvestigation requirement.

4. FCRA 623 Furnisher Responsibilities XXXX, acting as a furnisher, must not report information it knows or should know is inaccurate. It must also investigate disputes forwarded by the credit bureaus. XXXX has failed to meet these obligations. 



What I Am Requesting From the CFPB I respectfully request that the CFPB require : 1. The credit bureaus ( ExperianXX/XX/XXXX to conduct a lawful reinvestigation and remove the XXXX account unless XXXX provides actual written evidence that I opened it. 
2. XXXX to provide documented proof of : my identity being used to open the account, my written or electronic authorization, and any contracts, applications, or service records. 
3. Removal of the account if no such proof exists ( which I assert ).

4. A corrected copy of my credit report after completion of the investigation.

5. Compliance with FCRA accuracy, investigation, and furnisher obligations. 



Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Phone : XXXX Email : XXXX I am prepared to provide : Proof of identity Proof of address Copies of dispute letters to the bureaus Screenshot or copy of my credit report showing the fraudulent XXXX account Closing Statement This XXXX account is fraudulent, not authorized by me, and damaging to my credit profile. XXXX and the credit bureaus have failed to validate, correct, or remove the inaccurate information as required by federal law. I request the CFPBs help in enforcing my rights under the Fair Credit Reporting Act and ensuring the removal of this fraudulent account. 

Thank you for your assistance.

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