Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint as a victim of XXXX XXXX. I have submitted an FTC Identity Theft Report to Experian, Equifax, and TransUnion. Despite my disputes and supporting documentation, the following fraudulent collection accounts remain on my credit reports, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : XXXX. XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX ( I never lived at this location ) XXXX. XXXX XXXX XXXX {$930.00} XXXX XXXX Bank XXXX. 

XXXX XXXX XXXX XXXX {$310.00} [ Details unspecified ] Legal Violations and Protections These items violate the following federal laws : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Requires credit reporting agencies to block information resulting from identity theft within 4 business days of receiving an FTC Identity Theft Report and proper documentation. 

FCRA 611 ( 15 U.S. Code 1681i ) : Requires agencies to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( 15 U.S. Code 1681s-2 ) : Furnishers must not report information known to be inaccurate.

FDCPA 809 ( 15 U.S. Code 1692g ) : Requires debt collectors to validate debts upon notice of dispute.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : Requires a credit reporting agency to provide a description of how an item was verified, including the business name and contact information. Experian verified disputed items but failed to provide this required explanation. 

Impact and Harm These incorrect collection accounts are significantly lowering my XXXX XXXX and have resulted in denials for housing, credit, and financial services. I am being penalized for debts that are not mine, which is unfair, unlawful, and distressing. 

I have made multiple attempts to follow up with Experian, Equifax, and TransUnion. Each time, XXXX told to wait for the outcome of an investigation, which has extended beyond 45 days with no resolution. When the 45 days pass, XXXX asked to resubmit a new dispute and verify my identity againsometimes even being questioned about whether I filed the dispute at all. This runaround appears to be a tactic to avoid compliance and investigation, and its deeply frustrating. 

Requested Resolution I am requesting that the CFPB require Experian, Equifax, and TransUnion to immediately and permanently remove the fraudulent collection accounts listed above. Additionally, I request the CFPB investigate all involved parties for failure to comply with federal consumer protection laws. 

Supporting Documentation ( Submitted to Credit Bureaus ) FTC Identity Theft Report Proof of identity and address Copies of dispute letters Screenshots of credit report entries Declaration Under penalty of perjury, I declare that the above statements are true and correct to the best of my knowledge. I respectfully request the assistance of the CFPB in correcting these violations. 

Sincerely, 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