Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXXXXXX - This account is inaccurately reporting with conflicting statusesopen on XXXX  and Experian, but closed and derogatory on XXXX  and XXXX. These inconsistencies, along with the inaccurate negative late payment marks, violate the accuracy and consistency requirements under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I demand an immediate investigation and correction or deletion of these errors to prevent further damage to my credit profile. This inaccurate reporting must be removed or updated to reflect my positive payment history or you will face legal liability under FCRA 1681n. 
XXXX. XXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting with conflicting statusesopen on XXXX  and Experian, but closed and derogatory on XXXX  and TransUnion. These inconsistencies, along with the inaccurate negative late payment marks, violate the accuracy and consistency requirements under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I demand an immediate investigation and correction or deletion of these errors to prevent further damage to my credit profile. This inaccurate reporting must be removed or updated to reflect my positive payment history or you will face legal liability under FCRA 1681n. 
XXXX XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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