Consumer complaint received 2025-07-02 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: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this XXXX mark is false, misleading, and XXXX  to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( A ) and XXXX ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply XXXX result in legal action for negligent or willful noncompliance. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This is a paid account that is inaccurately reporting late payment. I have an excellent and consistent payment history, and this XXXX  mark is false, misleading, and XXXX to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( A ) and XXXX ( B ), you are required to maintain and report only accurate and verifiable information. I demand the immediate correction or removal of this inaccuracy to reflect my true payment history. Failure to comply XXXX result in legal action for negligent or willful noncompliance. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA XXXX and XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA XXXX and XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA XXXX and XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA XXXX and XXXX. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA XXXX and XXXX. 
XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - This collection account is reporting inaccurately with conflicting statuses open and closed and is the result of identity theft. Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally required to block and delete any information resulting from identity theft upon receipt of an FTC Identity Theft Report. You are in violation of federal law by continuing to report this account. This is your final notice delete this fraudulent account immediately to avoid legal consequences under FCRA XXXX and XXXX. 

These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  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