Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) seeking immediate action due to the failure of Experian to comply with federal law, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). Despite prior submissions of valid documentation and identity theft reports, fraudulent accounts remain on my credit report, continuing to damage my credit profile. 
I am disputing inaccurate information under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and requesting that the credit bureau delete the following account ( s ), which are the result of identity theft. Enclosed is a copy of my official FTC Identity Theft Report ( Report Number : [ XXXX ] ), as required by law. According to this section of the FCRA, credit bureaus are legally required to remove any identity theft-related items within four ( 4 ) business days of receiving proper documentation. 
I am requesting that the credit bureau remove the following fraudulent data from my file : Fraudulent Account ( s ) : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I did not authorize or open the account ( s ) listed above. These items were established without my knowledge or consent, and no proper disclosures or legal basis exist for them to be reported. Their presence on my credit file violates 15 U.S.C. 1681b ( regarding permissible purposes for accessing or using consumer information ) and infringes on my privacy rights under 15 U.S.C. 1681a ( 4 ).

Importantly, I do not authorize the placement of a fraud alert, credit freeze, or any other form of credit restriction in connection with this dispute. There is no present threat or ongoing identity theft activity, and I explicitly request that no such alerts or flags be placed on my credit profile. This request pertains solely to the deletion of fraudulent account ( s ) already identified.

Including with this complaint are : Copy of FTC Identity Theft Report Government-issued photo ID Proof of address Despite previously submitting all required documentation to the credit bureau , the account ( s ) remain unremoved and visible. This lack of action is a violation of the FCRA. Therefore, I respectfully request that the CFPB take immediate steps to enforce compliance and compel the credit bureau to act in accordance with federal law. 
Resolution Requested : Immediate deletion of the fraudulent account ( s ) Written confirmation of deletion Oversight by the CFPB to ensure full FCRA compliance In addition, I request the immediate removal of the fraudulent ACCOUNT ( S ) and from my credit report. 
Fraudulent Account ( XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Thank you for your prompt assistance in resolving this matter. 
Sincerely, 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