Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXHello, ive attempting to reach out multiples times to get these items that are on my profiles off and I have not had any luck. These accounts are not mine\nand I do believe I am a victim of fraud. I have saw this code upon researching information on something called fair credit reporting act and this one\nlooks like it pertains to my situation I am going to add it below . Please help me with this as it says upon receival of the notice that I am a victim of\nidentity theft the credit reporting agencies shall delete the noted information within 4 business days of receiving information and if not they are\nbreaking the law . Please help delete fraudulent items listed below . I will also add my identification card and my social security card for identification\npurposes so that you guys may not say you didnt receive the proper information to identify myself. I wish for you also to remove any personal\ninformation that is not my personal information that you guys have on file from the result of these fraudulent items. My accurate address and employer\ninformation and correct and only spelling of my name will be also provided here so that you guys can update it and delete everything else that doesnt\ncorrespond with my accurate information. You guys shall not send me letters asking to identify myself as my identifying documentation is here for you in\nthis CFPB complaint. Please help me resolve this issue at your earliest convenience as it is hindering me from applying to get a home for me and my\nfamily and we are on a verge of homelessness due to the inaccuracy and fraudulent items you all are allowing creditors to furnish on my profiles. Thank\nyou.\nFCRA  605B (15 U.S.C.  1681c-2)\n(a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a\nconsumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by\nsuch agency of\n(1) appropriate proof of the identity of the consumer;\n(2) a copy of an identity theft report;\n(3) the identification of such information by the consumer; and\n(4) a statement by the consumer that the information is not information relating to any transaction by the consumer .\n(b) section\nNotification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a) of this\n(1) that the information may be a result of identity theft;\n(2) that an identity theft report has been filed;\n(3) that a block has been requested under this section; and\n(4) of the effective dates of the block.\n(c) Authority to decline or rescind.\n(1) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this\nsection, if the consumer reporting agency reasonably determines that\n(A) the information was blocked in error or a block was requested by the consumer in error;\n(B) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the\nconsumer relevant to the request to block; or\n(C) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n(2) Notification to consumers . If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly,\nin the same manner as consumers are notified of the reinsertion of information under section 1681i (a)(5)(B) of this title.\n(3) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a\nconsumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained\npossession of any goods, services, or money as a result of the block.\n(d) Exception for resellers.\n(1) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency\n(A) is a reseller;\n(B) is not, at the time of the request of the consumer under subsection (a) of this section, otherwise furnishing or reselling a consumer report\nconcerning the information identified by the consumer; and\n(C) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer\ninformation regarding identity theft.\n(2) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this\nsection, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if\n(A) the consumer, in accordance with the provisions of subsection (a) of this section, identifies, to a consumer reporting agency, information\nin the file of the consumer that resulted from identity theft; and(B) the consumer reporting agency is a reseller of the identified information.\n(3) Notice. In carrying out its obligation under paragraph (2), the reseller shall promptly provide a notice to the consumer of the decision to block the\nfile. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was\nobtained for resale.\n(e) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations\nfor the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days\nafter receipt of information described in paragraphs (1) through (3) of subsection (a) of this section, a check services company shall not report to a national consumer\nreporting agency described in section 1681a (p) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n(f) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency\nto prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain.\n\nACCOUNTS TO BE REMOVED:\n\nfrom all three credit bureaus (Experian, Equifax, and TransUnion), including:\nAll unauthorized hard inquiries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX  XXXX)'

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