Consumer complaint received 2025-06-11 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: AZ

Complaint narrative:
Date : XXXX XXXX  To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, D.C. XXXX Subject : Formal Complaint Fraudulent XXXX  Account Reporting on My Credit Reports Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against all three major credit bureausExperian, Equifax, and TransUnionfor reporting a fraudulent account under the name XXXX with a balance of {$5400.00}, which does not belong to me. 
I have never applied for, opened, or authorized any account with XXXX. This account is being inaccurately reported across my credit profiles and is causing serious harm to my credit standing and overall financial well-being. I have no knowledge of this debt and did not give consent for any institution to open or report this account in my name. 
To support my identity theft claim and dispute, I have submitted the following documents directly to the credit bureaus : A copy of my FTC Identity Theft Affidavit A copy of my government-issued ID A copy of my Social Security card A recent utility bill verifying my address Despite these submissions, the account remains on my credit reports. This violates my rights under several key consumer protection laws.

Legal Violations and Applicable Consumer Protections : 31 U.S.C. 5118 : Prohibits enforcement of alleged debts that are not legally binding or were created without the consumers consent.
15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy. Continuing to report an unverified and fraudulent account violates this statute.

15 U.S.C. 1681i : Requires the credit bureaus to promptly investigate disputed information and delete unverifiable items within 30 days.

15 U.S.C. 1681c-2 : Mandates that any information resulting from identity theft must be permanently blocked from a consumer 's credit report once sufficient documentation has been provided. 
Requested Resolution : I respectfully request that the CFPB conduct an immediate investigation into Experian, Equifax, and TransUnions failure to comply with federal consumer protection laws. Specifically, I ask that you compel the credit bureaus to : Permanently delete the XXXX account in the amount of {$5400.00} from all of my credit reports. 
Block this account from future reinsertion unless legally valid documentation is provided showing I am the true account holder, which does not exist.

Provide written confirmation of the removal to me. 
Ensure strict compliance with all relevant FCRA provisions moving forward. 
These violations are harmful and must be addressed immediately. I trust the CFPB will uphold the rights afforded to me under federal law and ensure that my credit reports are corrected. 
Sincerely, [ Your Full Name ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, D.C. XXXX Subject : Formal Complaint Fraudulent XXXX  Account Reporting on My Credit Reports Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against all three major credit bureausExperian, Equifax, and TransUnionfor reporting a fraudulent account under the name XXXX with a balance of {$5400.00}, which does not belong to me. 
I have never applied for, opened, or authorized any account with XXXX. This account is being inaccurately reported across my credit profiles and is causing serious harm to my credit standing and overall financial well-being. I have no knowledge of this debt and did not give consent for any institution to open or report this account in my name. 
To support my identity theft claim and dispute, I have submitted the following documents directly to the credit bureaus : A copy of my FTC Identity Theft Affidavit A copy of my government-issued ID A copy of my Social Security card A recent utility bill verifying my address Despite these submissions, the account remains on my credit reports. This violates my rights under several key consumer protection laws.

Legal Violations and Applicable Consumer Protections : 31 U.S.C. 5118 : Prohibits enforcement of alleged debts that are not legally binding or were created without the consumers consent.
15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy. Continuing to report an unverified and fraudulent account violates this statute.

15 U.S.C. 1681i : Requires the credit bureaus to promptly investigate disputed information and delete unverifiable items within 30 days.

15 U.S.C. 1681c-2 : Mandates that any information resulting from identity theft must be permanently blocked from a consumer 's credit report once sufficient documentation has been provided. 
Requested Resolution : I respectfully request that the CFPB conduct an immediate investigation into Experian, Equifax, and TransUnions failure to comply with federal consumer protection laws. Specifically, I ask that you compel the credit bureaus to : Permanently delete the XXXX account in the amount of {$5400.00} from all of my credit reports. 
Block this account from future reinsertion unless legally valid documentation is provided showing I am the true account holder, which does not exist.

Provide written confirmation of the removal to me. 
Ensure strict compliance with all relevant FCRA provisions moving forward. 

These violations are harmful and must be addressed immediately. I trust the CFPB will uphold the rights afforded to me under federal law and ensure that my credit reports are corrected. 

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