Consumer complaint received 2025-10-24 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: MO

Complaint narrative:
I Reviewed my account credit report, and I noticed fraudulent accounts on my credit report. Can you please remove these accounts, for they are affecting my ability to obtain credit. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
Complaint Against XXXX  XXXX and the XXXX XXXX Credit Bureaus Identity Theft and Violations of the Fair Credit Reporting Act ( FCRA ) I, XXXX XXXX XXXX, am filing this formal complaint against XXXX  XXXX, Experian, XXXX, and XXXX  for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and federal identity theft protections under 18 U.S.C. 1028. 
A fraudulent XXXX XXXX account ( Account XXXX. XXXX ) was reported on my credit file without my authorization or consent. Despite multiple disputes and the submission of supporting documentation, the inaccurate information remains on my credit reports. This constitutes a willful and negligent violation of my consumer rights. 
Applicable Legal Authority : FCRA 605B Requires credit reporting agencies to block information resulting from identity theft within four business days after receiving proper notice and documentation.

FCRA 609 ( e ) Grants victims of identity theft the right to obtain documents related to the fraudulent account from the creditor or business.

FCRA 611 Requires a reasonable and timely reinvestigation ( typically within 30 days ) of any disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers of information from reporting data they know or reasonably should know is inaccurate. 
Summary of Consumer Rights and Obligations of Credit Bureaus : Under federal law, credit reporting agencies and furnishers must promptly investigate any consumer dispute, correct or delete inaccurate or unverifiable information, and notify the consumer in writing of the results. If identity theft is alleged, the credit bureaus must block the fraudulent data, ensure it is not reinserted without certification, and provide confirmation of these corrective actions. 
Requested Corrective Actions : XXXX. Permanently delete the fraudulent XXXX XXXX account from all of my credit reports. 
XXXX. Provide written confirmation from each credit bureau and XXXX XXXX verifying deletion and corrective action. 
XXXX. Investigate XXXX XXXX  identity verification and data security procedures to determine the origin of the unauthorized account. 
XXXX. Complete these actions and provide confirmation within 30 days of receipt of this complaint, as required under FCRA 611. 
Notice of Further Action : If this matter is not resolved within the required timeframe, I reserve my right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as to pursue further remedies available under federal law, including statutory and civil damages for noncompliance.

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