Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX Subject : Ongoing Dispute of Fraudulent and Inconsistent Information Dear Experian, I am writing again to formally dispute several accounts that continue to appear on my credit report. I have submitted disputes to your office multiple times since XXXX, and the same inaccurate and fraudulent items remain. I am a confirmed victim of identity theft, documented in a police report. 
I have already submitted a full FTC Identity Theft Report and Affidavit, along with supporting documentation, in previous disputes. Unfortunately, it appears that report was ignored, and the fraudulent accounts were never blocked or removed. The Fair Credit Reporting Act requires your agency to take action once such documentation has been provided, and failure to do so constitutes noncompliance. 
Under the Fair Credit Reporting Act, you are required to block and delete any information that results from identity theft within XXXX business days of receiving valid documentation. The following accounts were not authorized by me and must be removed immediately : XXXX. XXXX XXXX Account ending XXXX XXXX. XXXX XXXX XXXX Account ending XXXX XXXX. XXXX. XXXX XXXX Account ending XXXX XXXX. XXXX XXXX XXXX Account ending XXXX XXXX. XXXX XXXX / XXXX Account ending XXXX XXXX. XXXX XXXX XXXX ( XXXX ) Account ending XXXX In addition, your bureau is reporting incomplete and inconsistent information compared to XXXX and XXXX : XXXX of XXXX XXXX Shows a {$130.00} charged-off balance, last updated XX/XX/XXXX, but continues showing charge-offs through XX/XX/XXXX. 
XXXX XXXX : XXXX nearly identical accounts listed, XXXX paid, XXXX charged off duplicate entry of the same account. 
XXXX XXXX XXXX XXXX XXXX charged-off balance of {$22000.00} with {$65000.00} written off, inconsistent with the other bureaus. 
XXXX. XXXX XXXX ( XXXX XXXX ) : Appears only on your report, unverified by others. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with {$640.00} due, but open dates differ elsewhere. 
XXXX XXXX / XXXX : Listed as a collection opened XX/XX/XXXX, unverified by others. 
Old Personal Info : Your report contains multiple incorrect name spellings and outdated addresses from NJ, NY, MA, and GA that must be deleted. 
These inconsistencies demonstrate that the data in your file is neither accurate nor complete, as required under the Fair Credit Reporting Act. Any unverifiable or inconsistent information must be deleted immediately. 
If these accounts are not corrected within the legal timeframe, I will file a formal complaint with the CFPB and escalate this issue to the Office of the Attorney General for further review. 
I have enclosed copies of my ID, proof of current address, and my FTC Identity Theft Report and Affidavit. Please confirm in writing once these deletions and corrections are completed. You may contact me at the phone number or email listed above if additional verification is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

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