Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12178707
Complaint Overview
Complaint ID: 12178707
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Tennessee
ZIP Code: 37215
Date Received: 2025-02-21T12:00:00-05:00
Date Sent to Company: 2025-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear Experian Dispute Department and all other credit bureaus and reporting companies, I am writing to formally dispute inaccurate and fraudulent information on my credit report, which I believe is a result of identity theft. Specifically, I have discovered that the Social Security number XXXX, which does not belong to me, has been erroneously linked to my credit profile. This has led to the inclusion of several unauthorized accounts and inquiries in my credit report. Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Status : Account charged off. {$14000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Balance : {$15000.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$350.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : {$4900.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$200.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX. Original Creditor : XXXX XXXX XXXX XXXX {$1100.00} Unauthorized Hard Inquiries : XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Section 605B of the FCRA specifically provides protections for identity theft victims, allowing them to block fraudulent information resulting from identity theft from appearing on their credit reports. Additionally, Section 623 ( a ) ( 6 ) requires furnishers of information to not report information they know or have reasonable cause to believe is inaccurate. IDENTITYTHEFT.GOV The inclusion of another individual 's Social Security number and the resulting accounts and inquiries on my credit report constitute violations of the FCRA. I request that Experian take the following actions : Immediate Removal : Delete all accounts and inquiries associated with the Social Security number XXXX from my credit report. Correction of Personal Information : Ensure that only my correct Social Security number is linked to my credit profile. Fraud Alert Placement : Place an extended fraud alert on my credit file to prevent further fraudulent activities. I have enclosed a copy of my government-issued identification and proof of residence to verify my identity. Additionally, I have included a copy of the identity theft report I filed with the appropriate authorities. Please investigate this matter promptly and provide me with written confirmation of the removal of the fraudulent information. I appreciate your attention to this urgent issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12178707 about?
Complaint #12178707 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-21T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.