Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
b'Dispute of Fraudulent XXXX XXXX XXXX XXXX & Misleading Credit Reporting  Last Payment Date Inaccurate \n\nDear Consumer Financial Protection Bureau,\n\nI am submitting this formal complaint and dispute against XXXX XXXX XXXX XXXX for reporting a fraudulent auto loan and providing inaccurate, inconsistent information to the credit reporting agencies. I am the victim of identity theft and did not authorize, apply for, or benefit from this account.\n\n1. Fraudulent Account  Identity Theft\nA XXXX XXXX XXXX XXXX account is being reported on my credit profile. I never opened this loan, never applied for credit with XXXX XXXX and have no knowledge of this debt. This account is unauthorized and was opened fraudulently.\n\n 2. Inaccurate Last Payment Reporting\nThere is also inconsistent and misleading reporting regarding the last payment date:\n\nThe account history shown in Experian and XXXX clearly indicates the last actual payment was XXXX XXXX.\nHowever, XXXX XXXX is reporting the last payment as XXXX XXXX  the same month the account went into charge-off status.\nIt is misleading to state a payment was made in XXXX XXXX when in reality, no payments were made after XXXX XXXX This appears to be an attempt to artificially extend account activity and make the debt appear more current, which is a violation of the Fair Credit Reporting Act (FCRA).\n\n3. Inconsistent Account Numbers Across Bureaus\nAdditionally, this same XXXX XXXX  account is reported under different account numbers across the credit bureaus:\n\nXXXX XXXXnExperian & XXXX: List entirely different account numbers.\nThis inconsistency further raises concerns about the legitimacy and accuracy of the reported account.\n\nFederal Law Violations:\nUnder the Fair Credit Reporting Act (FCRA):\n\n 1681s-2(a)(1)(A): A data furnisher must not report information it knows to be inaccurate.\n 1681s-2(b): Upon receiving notice of a dispute, the furnisher must investigate, correct inaccuracies, and report the results.\nFACTA (Fair and Accurate Credit Transactions Act): Gives me the right to block fraudulent entries and initiate an identity theft investigation.\n\nAttached Supporting Documents:\nCopy of credit reports from Experian and XXXX showing disputed account and date discrepancies\nFTC Identity Theft Report\nPolice report confirming identity theft\n\n\n request that the CFPB investigate this matter and require XXXX XXXX to:\n\nProvide verifiable proof that I opened and used this account\nRemove the account from all credit reporting agencies if proof cannot be provided\nCorrect the false last payment reporting if the account remains under review\nPlease confirm receipt of this dispute and notify me of any updates or findings. Thank you for your attention and assistance.\n\nSincerely,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