Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
CFPB Complaint Against Experian and TransUnion LLC for XXXX Identity Theft Reporting I am filing this formal complaint against Experian and TransUnion LLC for continuing to report a XXXX XXXX XXXX account on my credit report that resulted from identity theft. This account has been reported as past due since XX/XX/year>, damaging my credit, causing me to be denied housing, bank accounts, and loans. Despite submitting an FTC Identity Theft Report and disputes, Experian and TransUnion LLC continues to report this fraudulent tradeline in violation of federal law. 
Background The XXXX account in question is fraudulent, opened without my consent or authorization. I have already submitted an identity theft report to the FTC and to Experian and TransUnion LLC, along with a police report and dispute letters. XXXX has failed to provide me with an unmarred, original application with a wet ink signature proving this debt belongs to me, and Experian and TransUnion LLC has failed to remove this tradeline under its obligations pursuant to federal law. 
Legal Violations FCRA 605B ( 15 USC 1681c-2 ) : Requires Experian and TransUnion LLC to block reporting of information resulting from identity theft within 4 business days upon receiving identity theft documentation.

FCRA 611 ( 15 USC 1681i ) : Requires Experian and TransUnion LLC to conduct a reasonable reinvestigation and remove unverifiable or fraudulent information.

FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) : Requires Experian and TransUnion LLC to report accurate information and remove unverified or inaccurate information promptly. 
FTC and CFPB guidelines : Mandate the prompt removal of identity theft-related fraudulent tradelines upon proper notification. 
Harms Suffered Experian and TransUnion LLC failure to remove this XXXX tradeline has resulted in severe harm to me, including denial of housing, bank accounts, and business loans, damage to my credit reputation, emotional distress, and financial hardship due to this fraudulent reporting. 
Requested Actions I request the CFPB require Experian and TransUnion LLC to : Immediately and permanently remove the fraudulent XXXX XXXX XXXX tradeline from my credit report. 
Provide a written confirmation and updated credit report reflecting the removal of this account. 
Provide a copy of the original, unmarred application with wet ink signature that allegedly opened this account. 
Provide all forward flow agreements, chain of assignments, and proof of ownership for this alleged debt. 
Notify any third parties who accessed my credit report within the last six months of these corrections, per FCRA 611 ( d ).

Notice of Intent to Sue Should Experian and TransUnion LLC fail to comply with these requests promptly, I intend to pursue federal litigation for willful and negligent violations of the FCRA, seeking maximum statutory damages, actual damages for financial and emotional harm, attorneys fees, and all other relief permitted by law. 
I request the CFPB 's immediate intervention to enforce the removal of this fraudulent XXXX account, protect my rights, and hold Experian and TransUnion LLC accountable 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