Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX - I demand immediate and non-negotiable action under 15 U.S.C. 1681a ( 3 ) due to the fraudulent and unauthorized use of my personal informationthis constitutes identity theft and has been formally reported to the FTC ( see attached report ). Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent data from my credit file within four ( 4 ) business days of receiving this notice. Any failure to comply will be considered willful noncompliance and a direct violation of federal law, subject to enforcement under FCRA 1681n, including lawsuits, statutory and punitive damages, and attorneys fees. This is your FINAL NOTICEremove all fraudulent information immediately or face full legal consequences. 
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 - 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 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 - 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 - 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 - 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 - 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 XXXXXXXX - 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 - 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 - 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 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. 

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