Consumer complaint received 2025-06-12 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, XX/XX/year> 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 XXXX - XXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history. 
XXXX. XXXX XXXX - XXXX - This open account reports inaccurate payment history, violating FCRA 1681e ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX XXXX XXXX XXXX XXXXXXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history. 
XXXX. XXXX - XXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history. 
XXXX. XXXX - XXXX - This open account reports inaccurate payment history, violating FCRA 1681e ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX. XXXX - XXXX - This open account reports inaccurate payment history, violating FCRA 1681e ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX XXXX XXXX XXXXXXXX - This open account reports inaccurate payment history, violating FCRA 1681e ( b ), which requires maximum accuracy. I demand immediate correction to reflect my consistent, positive payment history. This error is damaging my creditworthiness and must be resolved without delay. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is inaccurately reported with a XXXX XXXX bankruptcy comment and reflects both open and closed statuses, which is false and misleading. This account is the result of identity theft and I have submitted my FTC Identity Theft Report as evidence. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and remove all fraudulent information within four ( 4 ) business days of receiving proper documentation. Failure to act is a violation of federal law and subjects you to penalties under FCRA 616 and 617. REMOVE this inaccurate and fraudulent account immediately to prevent further harm to my credit profile. 
XXXX XXXX XXXX XXXXXXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act 3 of 10 ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXXXXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - " This account is inaccurately associated with a XXXX XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - " This account is inaccurately associated with a XXXX XXXX  bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurately associated with a XXXX XXXX  bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXX XXXX XXXX XXXXXXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - " This account is inaccurately associated with a XXXX XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - " This account is inaccurately associated with a XXXX XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXX. XXXX - XXXX - " This account is inaccurately associated with a XXXX XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXX XXXX XXXX XXXX - XXXX - " This account is inaccurately associated with a XXXX  XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXX. XXXX XXXX - XXXX - " This account is inaccurately associated with a XXXX XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - " This account is inaccurately associated with a XXXX XXXX bankruptcy and is the result of identity theft. I have provided a valid FTC Identity Theft Report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete fraudulent data within four ( 4 ) business days of receiving proper documentation. The continued reporting of this account is causing harm to my credit profile and constitutes a violation of federal law. REMOVE THIS IMMEDIATELY to avoid further legal action. 

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