Consumer complaint received 2025-09-30 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:
I am reiterating this complaint because my credit report with EXPERIAN still contains inaccurate name variations, invalid addresses, and fraudulent accounts that I did not authorize or provide. Despite my previous request and the supporting documents already submitted, this incorrect information continues to appear on my file. 

I have identified XXXX fraudulent collection accounts reported by XXXX XXXXXXXX XXXX, without valid account numbers, allegedly opened on XX/XX/year> and XX/XX/year>, with balances of {$1000.00} and {$1200.00}. These accounts had previously been removed from my credit report, but have reappeared as of the current date. I did not authorize or open these accounts, and I have no knowledge of them. These accounts are negatively affecting my credit and were placed without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed 15 U.S.C. 1681s-2 Furnishers must not report inaccurate information 15 U.S.C. 1681b No permissible purpose for accessing or reporting this account 15 U.S.C. 1692e Prohibits false or misleading representations in debt collection As a documented victim of identity theft, I have already provided a valid FTC Identity Theft Report, my identification, Social Security, and proof of current address. I have also identified multiple unauthorized name variations and outdated addresses that do not belong to me and must be removed from my credit report. 

My only legal name is XXXX XXXX, exactly as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Proof Attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file.

I am also attaching the Account Re-insertion Letter, to document that these fraudulent accounts had been previously removed and their current appearance is incorrect.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted.

This is a reiterated demand that you immediately remove all reappeared fraudulent accounts, correct inaccurate personal information, and update my credit file to reflect only accurate and verifiable data as required by law. Continued failure to comply will be considered a willful violation of the FCRA and FDCPA and may result in further legal action to protect my rights. 

Sincerely, XXXX XXXX XXXX : SUPPORTING DOCUMENTS The following supporting documents are attached to this complaint for verification and evidence of the inaccuracies and fraudulent accounts on my credit report : Previous Credit Report Showing that the fraudulent accounts had been previously removed. 

Current Credit Report Showing the reappearance of the fraudulent accounts.

FTC Identity Theft Reports Including both the original FTC report used to remove the fraudulent accounts and the current FTC report.

Account Re-insertion Letter Documenting the prior removal and current reappearance of the fraudulent accounts.

Personal Identification Documents Including government-issued ID and Social Security Card .

Proof of Current Address As submitted previously to support identity verification.

These documents provide clear evidence that the accounts in question had already been removed but have reappeared on my credit report, and demonstrate the steps already taken to resolve the issue, including prior disputes and identity theft reporting.

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