Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( FRCA ) affords me the right to request that credit reporting agencies block information from my credit file that resulted from identity theft. XXXX  XXXX XXXX account ( balance {$3100.00} and closed XX/XX/XXXX ) in question was opened fraudulently I believe by a person named XXXX XXXX. I'm attaching my FTC Identity Theft Report and a copy of the civil complaint ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have against this individual for other fraudulent activity he perpetrated against me around the same time. Early in XXXX, this individual, XXXX XXXX, stole my father and my identity, charged our credit cards, our XXXX accounts, and most likely is the individual who opened the XXXX XXXX account in my name. I've since filed a lawsuit against this person ( see attached ). Further, I've disputed this account with TransUnion, Equifax, and Experian. Transunion and Experian have not yet removed this fraudulent account from my credit file. I RESPECTFULLY REQUEST REMOVAL.OF THOS ACCOUNT SINCE IT WAS THE RESULT OF IDENTITY THEFT AGAINST ME WHILE XXXX XXXX. I've been iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. So I could not have opened this account. You can verify this by going to XXXX XXXX XXXX XXXX website, selecting the XXXX XXXX page, then typing in my XXXX XXXX number : XXXX. I'm not scheduled to be released from XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX Account was closed XX/XX/XXXX with a balance of {$3100.00}. The last XXXX of my social security is XXXX and my XXXX is XXXX. CAPITAL.ONE PREVIOUSLY RESPONDED TO A COMPLAINT AND STATED THE FOLLOWING : XXXX. That the phone number ( XXXX ) listed to open the account was mine. This is not true. I was in XXXX XXXX and did not have a phone number in my name. XXXX. XXXX XXXX also said that the statements were requested to be sent to my email. This is my email, but I didn't have any access to the email BECAUSE I WAS IN XXXX. XXXX. Finally, XXXX XXXX stated the address in Florida was linked to me. This is my aunt 's address which I use as a mailing address while in XXXX. This is true. And, the person who opened the account used this address to get the account approved. Someone fraudulently opened this account in my name using my social security number, my XXXX, and my aunt 's address. The phone number was not mine. They were able to gain access to my email by stealing a document I had with usernames and passwords. It's unfair for you to continue to say this is my account when I've provided plenty of proof showing it wasn't. Most importantly is that I was XXXX. I have a right for this account to be removed from my credit file due to someone using my identity. I don't have any other bad credit besides this account.

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