Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to ask for your assistance in resolving ongoing inaccuracies on my credit reports from Equifax, Experian, and TransUnion due to identity theft and incorrect reporting. I have previously disputed these errors with all three credit bureaus, yet no corrective actions have been taken. These inaccuracies have significantly impacted my ability to secure financial resources for my family. 

Attached, you will find copies of my credit reports highlighting the disputed items, along with supporting documentation, including a police report where applicable. Below is a summary of the disputed items : Personal Information Errors : My name is misspelled across all three credit bureaus. 

Incorrect Account Information : XXXX. XXXX XXXX ( Opened XX/XX/XXXX ) There are inconsistencies in the reporting of late payments. I have no late payments, yet the information varies across bureaus. 

XXXX. XXXX XXXX ( Opened XXXX ) This auto loan was paid in full, and the car was returned. The account should have been closed when I traded in my old vehicle in XXXX. 

XXXX. XXXX XXXX I did not authorize or open this account. It was fraudulently opened during an identity theft incident, and no payments were made by me. 

XXXX. XXXX XXXX Account My card was fraudulently used when my wallet was stolen. I did not authorize these transactions. 

XXXX. XXXX XXXX XXXX XXXX This account was closed due to fraudulent activity. The balance was supposed to be removed, and I have attached a police report as evidence. 

Unauthorized Inquiries : I did not authorize any credit inquiries on XX/XX/XXXX, or XX/XX/XXXX. 

XXXX XXXX Accounts : 1. Fair Collections This debt is for an apartment in XXXX, where I have never lived. It was fraudulently opened in my name. 

XXXX. XXXX XXXX I have never had a T-Mobile account. I have been an AT & T customer since XXXX. 

XXXX. XXXX XXXX XXXX This collection account is related to gas service at an apartment I have never lived in or been associated with. 

XXXX. XXXX XXXX I did not authorize this account. 

XXXX. XXXX XXXX This account contains unauthorized charges that I previously disputed with the credit bureaus. No payments were made by me. 

I have made multiple attempts to resolve these issues with the credit bureaus, but my disputes have not resulted in the necessary corrections. These fraudulent accounts and inaccuracies are negatively affecting my financial well-being and my ability to support my family. 

I am seeking your assistance in ensuring that the credit bureaus properly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Please advise on the next steps I can take to rectify this situation. 

Thank you for your time and attention to this urgent matter. I appreciate your help in resolving these issues. Please feel free to contact me at XXXX for any further information.

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