Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am submitting this complaint because multiple companies are reporting accounts on my credit report that do not belong to me, and despite filing disputes, identity theft documentation, and an FTC Identity Theft Report, the companies have either failed to respond, refused to delete the accounts, or prevented me from continuing the dispute process. 

I am a victim of identity theft. I did not open, authorize, or benefit from the accounts listed below, and I formally reported this through the FTC identity theft process. Even so, the companies involved have not complied with their obligation to properly investigate or correct the inaccurate reporting. 

Lack of Response From XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX On XXXX, I filed XXXX separate cases with XXXX XXXX XXXX and one case with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX, disputing accounts that I do not own. In each dispute, I clearly stated that the accounts were the result of identity theft and that I had filed an FTC Identity Theft Report. 

As of now, I have not received any response at all from these companies. There has been no written reply, no validation, no request for additional information, and no explanation of how the accounts were verified. Despite the lack of response, the accounts continue to appear on my credit report and remain derogatory. 

This failure to respond leaves me without any way to understand how the companies concluded the accounts were valid, and it prevents me from exercising my rights to challenge inaccurate reporting. 

Companies Blocking Me From Filing Further Rebuttals In addition to the lack of response, other companies have effectively blocked me from continuing the dispute process. 

Specifically, XXXX XXXX  ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are no longer accepting my rebuttals or follow-up disputes. Their systems do not allow me to file another case, even though the accounts remain on my credit report and I have not been provided with any proof that I opened or authorized them. 

This is especially concerning because : I do not own these accounts I reported them as identity theft I filed an FTC Identity Theft Report No signed agreements or borrower-specific documentation have been provided Preventing a consumer from continuing to dispute accounts that are still being reported, while refusing to provide validation, creates a situation where inaccurate information remains on a credit report without any meaningful avenue for correction. 

Identity Theft and FTC Report Filed For all of the accounts listed above, I clearly stated that I am a victim of identity theft. I took the appropriate steps by filing an FTC Identity Theft Report, which is the official federal process for reporting fraudulent accounts. 

Despite this, the companies have : Failed to provide proof that I signed a loan or credit agreement Failed to provide borrower-specific data linking me to the accounts Failed to provide payment schedules or account ledgers Failed to provide identity verification records Continued reporting the accounts as derogatory In some cases, they have stopped responding entirely. In other cases, they have closed my ability to submit additional disputes. 

Negative and Harmful Impact Because these companies continue to report accounts that do not belong to me, and because they are not responding or allowing further rebuttal, I am experiencing ongoing harm, including : Damage to my credit score Continued presence of derogatory accounts Loss of access to fair credit opportunities Increased financial stress Lack of transparency and accountability By refusing to respond, refusing to validate, or blocking further disputes, these companies are effectively taking negative action against me by maintaining harmful credit reporting without proof. 

Why I Am Filing This CFPB Complaint I am filing this complaint because I have exhausted reasonable options to resolve these issues directly with the companies involved. I have : Filed disputes Submitted identity theft documentation Filed an FTC Identity Theft Report Attempted follow-up rebuttals Requested validation Despite these efforts, the companies either did not respond, refused to delete the accounts, or prevented me from continuing the dispute process altogether. 

I am requesting assistance to ensure that these companies either provide proper documentation proving the accounts belong to me or remove the unverifiable and fraudulent information from my credit report. Supporting documents have been attached for review.

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