Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Incorrect Name - XXXX XXXX - The following personal information is incorrect Incorrect DOB - XXXX  - The following personal information is incorrect Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX - The following personal information is incorrect Incorrect Address - XXXXXXXX XXXX XXXX XXXX  XXXX, SC, XXXX - The following personal information is incorrect Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX - The following personal information is incorrect EMPLOYER - XXXX - The following personal information is incorrect EMPLOYER - XXXXXXXX XXXX XXXX  - The following personal information is incorrect XXXX  - XXXX - This account is inaccurately reporting as both closed and current with a transferred rating. This is misleading and conflicts with FCRA 607 ( b ), which requires that all information reported be accurate and up to date. I demand immediate correction to reflect the accurate status and to prevent further damage to my credit profile. 
XXXX XXXX XXXX XXXXXXXX - This account is inaccurately reporting as both closed and current with a transferred rating. This is misleading and conflicts with FCRA 607 ( b ), which requires that all information reported be accurate and up to date. I demand immediate correction to reflect the accurate status and to prevent further damage to my credit profile. 
XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reporting. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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