Consumer complaint received 2025-06-28 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:
To Whom It May Concern, This is a formal complaint against Experian, TransUnion, and Equifax for continuing to report fraudulent identity theft accounts on my credit reports after I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address. 

These same accounts were already blocked by XXXX following their reinvestigation and acknowledgment of my identity theft claims, yet Experian, TransUnion, and Equifax continue to unlawfully report them in direct violation of the Fair Credit Reporting Act. 


Accounts Confirmed as Fraudulent and Already Blocked by XXXX 1. XXXX / XXXX XXXX XXXX Account # : XXXX Balance : {$4500.00} 2. XXXX / XXXX XXXX Account # : XXXX Balance : {$3400.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$2800.00} 4. XXXX / XXXX XXXX XXXX  Account # : XXXX Balance : {$1900.00} 5. XXXX XXXXXXXX Account # : XXXX Balance  : {$1500.00} 6. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} 7. XXXX XXXX XXXX Account # : XXXX Balance : {$270.00} 8. XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} 9. XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$460.00} 10. XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} 11. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} 12. XXXX / XXXX XXXX Account # : XXXX Balance : {$0.00} 13. XXXX / XXXX Account # : XXXX Balance : {$0.00} 14. XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} 15. XXXX XXXX XXXXXXXX / XXXX Account # : XXXX Balance : {$1100.00} 16. XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} 17. XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Balance : {$1300.00} 18. XXXX / XXXX Account # : XXXX Balance : {$7700.00} These accounts were opened fraudulently using my identity. I never applied for, opened, used, or authorized these tradelines. 



Additional Fraudulent Data to Remove : Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX False addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA Legal Basis for This Complaint : I invoke my legal r

ights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 / 605B : Requires CRAs to block fraudulent information within 4 business days after receipt of valid identity theft documentation.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Furnishers must not report information they know to be the result of identity theft.

15 U.S.C. 1681i ( a ) : Requires a reinvestigation when disputed information is alleged to be inaccurate or fraudulent.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must maintain maximum possible accuracy.

15 U.S.C. 1681b : Information may not be furnished without a permissible purpose and consumer consent.

DEMANDS : 1. Immediately block and permanently delete all accounts listed above, across Experian, TransUnion, and Equifax.

2. Remove all false addresses and unauthorized hard inquiries.

3. Suppress future re-reporting or reinsertion of these items under any account number or name variation.

4. Provide a detailed written explanation of the reinvestigation process, including : Method of verification Documentation used Parties contacted and when Internal tracking ID or case number WARNING OF DAMAGES : Your continued failure to block and delete these identity theft accounts after being formally notified entitles me to : Statutory damages : Up to {$1000.00} per violation under 15 U.S.C. 1681n Actual damages, including lost opportunities and emotional distress Punitive damages Attorneys fees and legal costs I am prepared to escalate this matter to federal court if these items are not removed immediately. 

Sincerely, XXXX XXXX XXXX Date : XX/XX/ 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