Consumer complaint received 2025-07-22 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, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : Demands for Immediate Action : 1. Immediate Deletion of Fraudulent Information : I demand that you immediately delete or block all inaccurate, fraudulent information from my credit report within three ( 3 ) business days of receiving this letter.

2. Documentation of Investigation : If you dispute my claims, I require verifiable documentation proving the accuracy of the reported information.

3. Written Confirmation of Deletion : As required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I demand that you notify me in writing within five ( 5 ) business days if any previously deleted information is reintegrated into my report during the reinvestigation. 
4. Full Investigation Results : A full, detailed explanation of your reinvestigation procedures, including your corrective actions, is required within five ( 5 ) business days of your investigation 's completion. 
Disputed Information : XXXX. XXXX XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
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. 

Unauthorized XXXX XXXX : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, SC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX 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