Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
I am filing this complaint because Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., despite my repeated attempts to correct inaccurate information on my credit report resulting from identity theft. I was a victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC ). I have also experienced multiple account breaches and exposure of my personal information on the dark web. Despite submitting XXXX prior dispute attempts, the Credit Reporting Agency has failed to conduct a reasonable reinvestigation as required by the FCRA and has failed to block information as required. On XX/XX/XXXX, I discovered that I was a victim of identity theft. I filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report ( FTC Report Number : XXXX. My personal information was compromised in several account breaches Experian, XXXX and exposed on the dark web, making me vulnerable to identity theft. I have made ( 6 ) attempts to dispute the inaccurate information on my credit report with Experian without a satisfactory resolution. The dates of my disputes and a summary of the Credit Reporting Agency 's responses are as follows : Dispute XXXX : Date Sent : XX/XX/XXXX Method : Certified Mail Summary of Dispute : Fraudulent accounts, unauthorized inquiries, late payment discrepancies CRA Response : Information Verified/ no change Dispute 2 : Date Sent : XX/XX/XXXX Method : Certified Mail Summary of Dispute : Fraudulent accounts, unauthorized inquiries, late payment discrepancies CRA Response : Information Verified Dispute XXXX : Date Sent : XX/XX/XXXX Method : Certified Mail Summary of Dispute : Fraudulent accounts, unauthorized inquiries, late payment discrepancies CRA Response : Information Verified Dispute XXXX : Date Sent : XX/XX/XXXX Method : Certified Mail Summary of Dispute : Fraudulent accounts, unauthorized inquiries, late payment discrepancies CRA Response : Information Verified Dispute XXXX : Date Sent : XX/XX/XXXX Method : Certified Mail Summary of Dispute : Fraudulent accounts, unauthorized inquiries, late payment discrepancies CRA Response : Information Verified Dispute XXXX : Date Sent : XX/XX/XXXX Method : Certified Mail Summary of Dispute : Fraudulent accounts, unauthorized inquiries, late payment discrepancies CRA Response : Information Verified Account ( s ) Fraudulently Opened. o XXXX XXXX, Account Number : XXXX This account was fraudulently opened in my name by an identity thief. XXXX XXXX XXXX XXXX XXXXccount Number : [ Account Number ] This account was fraudulently opened in my name by an identity thief. o XXXX XXXX XXXX XXXX Account Number : XXXX This account was fraudulently opened in my name by an identity thief. o XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Account # XXXX ) This account was fraudulently opened in my name by an identity thief. o XXXX XXXX XXXX XXXX, Account Number : Account # XXXX This account was fraudulently opened in my name by an identity thief. XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXX This account was fraudulently opened in my name by an identity thief. o XXXX XXXX XXXX, Account Number : Account # XXXX This account was fraudulently opened in my name by an identity thief. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was fraudulently opened in my name by an identity thief. o XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was fraudulently opened in my name by an identity thief. Unauthorized Transactions o There are unauthorized transactions on various legitimate accounts listed such as XXXX XXXX Account # XXXX Unauthorized Inquiries ( see attached letter ) The XXXX XXXX XXXX has violated the FCRA by : Failing to conduct a reasonable reinvestigation of my disputes as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The so-called " investigations '' have been superficial and have not resulted in the deletion of the inaccurate information. Failing to block the reporting of information resulting from identity theft, as required by 15 U.S. Code 1681i, Section 605B ( 15 U.S.C. 1681c-2 ). Despite providing an FTC report, you continued to display data.

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