Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I'm writing because I'm really frustrated with how the credit bureaus are handling my identity theft case. I've been a victim of identity theft for over a year now and despite filing official reports with the FTC and providing all the documentation they asked for, these companies keep reporting fraudulent accounts on my credit report. 

Here 's what's been happening to me : Someone stole my identity and opened multiple accounts without my permission. I filed official identity theft reports with the Federal Trade Commission - report numbers XXXX, XXXX, XXXX and XXXX. These reports clearly document that accounts from companies like XXXX, XXXX XXXX, and others were opened fraudulently. 

The XXXX with TransUnion : TransUnion is the worst. They have this account from XXXX XXXX XXXX for {$11000.00} that they say is from XXXX. I never opened any XXXX account. When I disputed it and sent them my FTC identity theft reports, they just said they " completed investigation '' and that I " disagreed '' with their findings. That's not how identity theft is supposed to work! They're supposed to block this information immediately when I provide official government documentation. 

They also have a XXXX XXXX charge-off for {$29000.00} that I never authorized. This account is specifically listed in my FTC report # XXXX and XXXX as fraudulent, but TransUnion just " verified it as accurate. '' How can they verify something as accurate when the federal government has documentation that it's fraud? 

There's also this loan from XXXX for {$72000.00} that shows up as late payments. Again, this is documented in my FTC reports as fraudulent, but they keep reporting it. 

The most frustrating part is with XXXX XXXX. XXXX XXXX actually sent me a letter in XX/XX/year> ( CFPB case XXXX XXXXXXXX ) saying they were removing negative information from my credit report because it was their mistake. But TransUnion is still showing late payments from XXXX XXXX even though the company itself corrected it! 

Problems with Experian and Equifax : These companies might also be reporting some of this fraudulent information. I'm not sure exactly what they have because I haven't seen recent reports from them, but I know they get information from the same sources that are reporting fraud to TransUnion. 

This fraudulent information is destroying my credit score. I can't get approved for loans, my XXXX application was denied, and I'm paying higher interest rates on everything. My credit score dropped from the XXXX to the XXXX because of accounts I never opened. 

I've tried disputing these items multiple times but the credit bureaus just keep saying they " investigated '' and " verified '' the information. But how can you verify fraudulent accounts as accurate? That doesn't make sense to me. 

What I've Already Done : - Filed XXXX official FTC identity theft reports- Disputed accounts multiple times with all three bureaus - Provided copies of my ID and all documentation they requested - Got XXXX XXXX  to admit their mistake and correct it - Spent countless hours on the phone and writing letters The credit bureaus seem to think that just because a company says an account is valid, that makes it true. But when someone steals your identity, of course the fraudulent accounts are going to look " valid '' to the companies - that's the whole point of identity theft! 

I feel like these credit reporting companies don't understand how identity theft works or they just don't care about consumers who are victims of fraud.

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