Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
To : CFPB Subject : Formal Complaint Against Experian and TransUnion for Failure to Remove Fraudulent Bankruptcy Due to Identity Theft My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I am writing to file a formal complaint against Experian and TransUnion for their ongoing failure to remove a fraudulent bankruptcy from my credit report, despite clear evidence of identity theft and repeated attempts to resolve this matter directly. 

Background and Timeline In XX/XX/XXXX, I discovered a XXXX  XXXX bankruptcy ( Account # XXXX ) reported on my credit file with Experian and TransUnion. This bankruptcy is fraudulent and the result of identity theft. I have never lived at or been associated with the address connected to this bankruptcy, nor did I file for bankruptcy myself. 

I immediately filed a police report with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and an FTC Identity Theft Report ( Report # XXXX ). Both reports confirm that I am a victim of identity theft and explicitly identify the bankruptcy as fraudulent. My personal information was compromised in the Equifax XXXX XXXX, and my mail was fraudulently forwarded without my consent, as documented in my police and FTC reports. I sent detailed letters, along with supporting documentation ( police report, FTC affidavit, drivers license, W-2, and proof of address ), to the CEOs of both Experian and TransUnion in XX/XX/XXXX, informing them of the identity theft and demanding the removal of the fraudulent bankruptcy from my file. Neither company responded to my initial letters. Equifax, upon receiving the same documentation, promptly removed the fraudulent bankruptcy from my credit report. On XX/XX/XXXX, after receiving no response or resolution, I sent intent-to-sue letters to both Experian and TransUnion, again demanding removal of the fraudulent bankruptcy and warning that failure to comply would result in legal action for violations of the Fair Credit Reporting Act ( FCRA ). As of today, XX/XX/XXXX, Experian and TransUnion continue to report the fraudulent bankruptcy, causing ongoing harm to my credit and financial well-being. 

Supporting Documentation I have attached the following documents to support my complaint : XXXX Police Department Identity Theft Report ( Report # XXXX ) FTC Identity Theft Report ( Report # XXXX ) Copies of my letters to Experian and TransUnion, including intent-to-sue notices Proof of identity ( Drivers License, XXXX XXXX ) Proof of address and supporting correspondence Confirmation from Equifax that the bankruptcy was removed Nature of Complaint Experian and TransUnion have failed to : Properly investigate my dispute as required by the FCRA, despite receiving police and FTC reports, proof of identity , and repeated written requests. Remove clearly fraudulent information from my credit file, even after Equifax did so based on the same evidence. Respond to my certified letters and intent-to-sue notices, demonstrating a lack of good faith and disregard for consumer rights. Requested Resolution I request that the CFPB : Investigate Experian and TransUnion for their failure to comply with the FCRA and North Carolina consumer protection laws. 

Compel both agencies to immediately remove the fraudulent bankruptcy ( Account # XXXX ) from my credit reports. 

Take appropriate enforcement action to ensure Experian and TransUnion fulfill their legal obligations to North Carolina consumers. 

I am preparing to retain a consumer attorney and pursue civil litigation against these credit reporting agencies if this matter is not resolved promptly. 

Thank you for your attention to this urgent and ongoing violation of my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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