Consumer complaint received 2025-11-14 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: DC

Complaint narrative:
I am filing a formal complaint because multiple accounts appearing on my credit reports were XXXX XXXX  fraudulently opened and/or used while I was incarcerated XXXX XXXX, and the companies reporting these accounts have * * failed to provide any validation XXXX XXXX or proof that I authorized or opened them. Also has incorrect social security numbers These accounts include ( but may not be limited to ) : XXXX XXXX XXXX  Kikoff Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank / XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these companies is reporting * * inaccurate balances, multiple late payments ( XXXX days ), charge-offs, and other delinquency statuses XXXX XXXX, even though the accounts were : XXXX. XXXX XXXX Not opened by me XXXX XXXX XXXX XXXX XXXX Not authorized by me * *, XXXX. * * Opened during a period when I was incarcerated and physically unable to apply, use, or manage credit * *, and XXXX. * * Likely opened using incorrect or fraudulent identifying information, including an incorrect Social Security Number or addressXXXX XXXX XXXX  Despite my disputes and requests for validation under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) * *, the furnishers have : * Failed to provide XXXX XXXX  any signed application XXXX XXXX XXXX Failed to provide * * any contract XXXX XXXX XXXX  Failed to verify the * * address or SSN XXXX XXXX tied to the account, * Failed to provide * * billing records XXXX XXXX or XXXX XXXX transaction history * *, * Continued to * * report delinquency * * on accounts they can not validate, * And continued furnishing information that they * * know or should know is inaccurate * *. 

This conduct violates multiple sections of the FCRA, including : * * * FCRA 602 * * Failure to ensure maximum possible accuracy * * * FCRA 607 ( b ) * * Lack of reasonable procedures to assure accuracy * * * FCRA 609 * * Failure to provide required disclosures * * * FCRA 611 * * Failure to reinvestigate disputed information * * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishing information known to be inaccurate * * * FCRA 623 ( b ) * * Failure to properly investigate after receiving a dispute These fraudulent accounts and the false late payment reporting are causing significant and ongoing harm to my credit, finances, and ability to obtain housing, employment, and lending. 

# # # * * Requested Resolution : * * I am requesting that the CFPB require each reporting company to : 1. * * Provide full validation * * of each account or * * delete the account entirely * * ; 2. Remove * * all late payments * *, * * charge-offs * *, and * * derogatory marks * * tied to these fraudulent accounts ; 3. Immediately notify * * Experian, Equifax, and TransUnion * * of the corrections ; 4. Provide me with written confirmation of the actions taken ; 5. Investigate how these accounts were opened during the time I was incarcerated.

I am the victim of identity theft, and these accounts do not belong to me. I am requesting urgent assistance from the Consumer Financial Protection Bureau to remedy these ongoing violations. 

-

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