Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX To : Experian Subject : Formal Dispute Regarding Fraudulent Charges on My Credit Report Dear Experian, I am writing to formally dispute several items on my credit report that are inaccurate and fraudulent. Despite my five prior requests over the past year, these errors have not been resolved. I have attached court orders confirming that the debts in question belong to XXXX XXXX XXXX and not me. You guys did dclose the accounts in question and remove them yet you allowed her to get past your fraud lock a and reinsert them, not even legitimately this time, on to my report again. Its also shows some accounts were updated again you EXPERIAN allowed her to do all these things and your site is very insecure and completely wrong. For two or three months and after submitting several disputes and sending you the identity theft report, the court order from a judge making her responsible for these debts, an Affidavit I filed with the FTC, your incompetence allowing her to access and get past your security lock and failing to inform me or to follow protocol as you should of is costing me daily, Experian needs to fix my report as it was as XXXX XXXX  XXXX  or I will be forced to seek legal action and I rather just have you guys do your job correctly and follow the law and respect my rights. Additionally, I have included evidence of local and federal fraud charges against her. 
Disputed Items Fraudulent Charges : These debts were fraudulently added to my report without proper validation or notification. I was never informed when these debts were attributed to me. 
Address Discrepancy : My report incorrectly lists an address at XXXX XXXX XXXX, which is not and has never been my residence. This address is associated with XXXX XXXX fraudulent activities. 
Supporting Documentation Court orders proving these debts are hers. 
Proof of federal and local fraud charges against XXXX XXXX. 
A copy of my credit report with the disputed items circled for your reference. 
Request for Resolution I demand the following actions be taken immediately : XXXX. Remove all fraudulent debts from my credit report. 
XXXX. Correct my address to reflect accurate information. 
XXXX. Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Your failure to properly validate these debts and address my repeated disputes violates my rights under the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved promptly, I will have no choice but to pursue legal action for damages caused by your negligence. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  of social XXXX Thank you, 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