Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
I am filing this urgent complaint as a documented victim of identity theft and inaccurate credit reporting. My Identity Theft Report from the Federal Trade Commission ( FTC ) is attached, along with my XXXX  3-Bureau report dated XX/XX/XXXX, which shows multiple accounts and derogatory items that are inconsistent, incomplete, unverifiable, or directly related to fraudulent activity. 
These violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ) are materially damaging my creditworthiness, preventing me from obtaining housing, limiting access to credit, and increasing my cost of borrowing. 
Request for Immediate Blocking ( FCRA 605B ) Under FCRA 605B, credit reporting agencies must block the reporting of information that the consumer identifies as resulting from identity theft within 4 business days after receiving : Proof of identity. 
Copy of the Identity Theft Report from the FTC. 
Identification of the fraudulent information. 
All the disputed accounts below are to be blocked immediately while investigations are pending. 
Specific Disputed and Inaccurate Accounts XXXX XXXX XXXXXXXX XXXX Duplicate reporting : appears both as original creditor ( charged-off ) and as a separate collection. 
High Credit : {$6100.00} ( XXXX  ) vs {$0.00} ( XXXX  ) vs {$4900.00} ( XXXX  ). 
Credit Limit : {$5000.00} ( XXXX ) vs {$0.00} ( XXXX  ). 
Multiple, conflicting last activity/payment dates. 
XXXX XXXX Installment Loan High Credit : {$20000.00} ( XXXX ) vs {$13000.00} ( XXXX  ). 
Past due balance still reported although account is closed and charged-off. 
Date of last activity inconsistent across bureaus. 
XXXX High Credit : {$4400.00} ( XXXX XXXX XXXX {$0.00} ( XXXX  ). 
Credit Limit : {$3800.00} ( XXXX ) vs {$0.00} ( XXXX  ). 
Dates of last activity/payment inconsistent. 
XXXX XXXX High Credit : {$5500.00} ( XXXX XXXX vs {$0.00} ( XXXX ). 
XXXX XXXX : {$4700.00} ( XXXX ) vs {$0.00} ( XXXX ). 
Last activity dates inconsistent. 
XXXX XXXX  ( XXXX XXXX Credit Card ) High Credit : {$3700.00} ( XXXX  ) vs {$0.00} ( XXXX  ) vs {$3300.00} ( XXXX  ). 
Credit Limit : {$2900.00} ( XXXX ) vs {$0.00} ( XXXX ). 
Inconsistent reporting dates. 
XXXX XXXX XXXX  High Credit : {$35000.00} ( XXXX ) vs {$12000.00} ( XXXX ). 
Conflicting payment history and last activity dates. 
XXXX XXXX XXXX ( Medical ) Missing from at least one bureau. 
Inconsistent dates of last activity. 
Unauthorized Inquiry XXXX XXXX  ( XX/XX/XXXX ) No permissible purpose under FCRA 604 ( a ). 
Must be deleted immediately. 
FCRA & FACTA Violations FCRA 602 ( A ) Right to accurate, fair, and private credit reporting.

FCRA 604 ( a ) Inquiries must have a permissible purpose.

FCRA 605B Block fraudulent information within 4 business days after receiving Identity Theft Report.

FCRA 607 ( B ) Bureaus must ensure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) Bureaus must investigate disputes within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate.

FCRA 623 ( b ) Furnishers must correct or delete inaccurate or incomplete information after dispute.

FACTA 112 Requires blocking and suppression of identity theft-related items. 
Harm and Damages These accounts have lowered my credit scores and caused : Denial of rental housing applications. 
Rejection for business financing. 
Higher cost of borrowing. 
Emotional distress from repeated disputes without resolution. 
Relief Requested I request that the CFPB : Order immediate blocking of all identified fraudulent or inaccurate accounts under FCRA 605B.

Require all credit bureaus ( XXXX XXXX XXXX ) to delete or correct the listed accounts permanently. 
Require furnishers to cease reporting these accounts and correct their data. 
Remove the unauthorized XXXX XXXX inquiry from my Experian file. 
Attachments : FTC Identity Theft Report. 
XXXX Credit Report dated XX/XX/XXXXXXXX 
Prior dispute letters and responses. 
Government-issued ID and proof of address.

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