Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I am a victim of fraudulent accounts on my credit report, as evidenced by my FTC Identity Theft Report ( Report Number : XXXX ), which I filed on XX/XX/year>. In this report, I detailed how fraudulent accounts and charges have appeared on my credit reports without my knowledge or consent, negatively impacting my finances and ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I submitted formal disputes to the XXXX major credit reporting agencies ( CRAs ) Equifax, Experian, and TransUnionon XX/XX/year>, requesting the immediate blocking and removal of the identified fraudulent information within XXXX business days. 
I enclosed a copy of my FTC Identity Theft Report, along with supporting documentation, in each dispute letter. These letters were sent via fax and certified mail to ensure delivery. Despite this, the XXXX have failed to block or remove the erroneous data from my credit reports, in violation of FCRA requirements. This inaction has caused ongoing harm to my credit profile, including lower credit scores and difficulties in financial transactions. 
The specific fraudulent accounts and inquiries I disputed with each CRA are as follows : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are the result of identity theft and data breach and are not associated with any legitimate activity on my part. Under FCRA 1681c-2, upon receipt of a valid identity theft report, the XXXX are required to block the reporting of this information within XXXX business days and notify the furnishers of the data. Additionally, under FCRA 1681i, the XXXX must conduct a reasonable investigation of my disputes and delete inaccurate information. 
I have attached copies of the dispute letters sent to each XXXX, my FTC Identity Theft Report, and proof of identity ( including my driver 's license ) for reference. I request that the CFPB investigate this matter, hold the XXXX accountable for their violations, and ensure the immediate blocking and permanent removal of the fraudulent items from my credit reports. I also seek any applicable remedies, including correction of my credit files, notification to affected parties, and compensation for damages caused by this delay. 
Thank you for your assistance in resolving this issue.

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