Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
To Whom It XXXX Concern, You have stated in writing that the tradeline at issue involves potential fraud. Once fraud is acknowledged or suspected, the information being reported can no longer be considered verified, accurate, or reliable. 
A consumer reporting agency can not simultaneously classify an account as potential fraud and continue to report it as a valid, enforceable obligation. Doing so is internally inconsistent and violates the XXXX XXXX XXXX Acts requirement to maintain maximum possible accuracy. 
Where fraud is acknowledged and the furnisher has also stated that it can not locate an account in the consumers name, continued reporting lacks any lawful basis. Verification is impossible under these circumstances This is experians report to CFPB XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : * Send your complaint to the company for a response ; or * Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or * Let you know if we need more information to continue our work. 
YOUR COMPLAINT Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete Unverified Account XXXX XXXX : still working on it XX/XX/year> CFPB reports Regional Acceptance XXXX cant find account in my name XX/XX/year> Company responded STATUS Company responded on XX/XX/year> XXXX XXXX Closed with explanation Company 's Response Regional is XXXX XXXX XXXX XXXX account in your name. That is legal confirmation the debt does not exist. Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete After Furnisher Admitted No Account Exists Loading... 
Hide full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working XXXX XXXX response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. 

Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/year> We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of 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