Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12186945
Complaint Overview
Complaint ID: 12186945
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: Texas
ZIP Code: XXXXX
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
**Complaint Summary : ** I am filing a complaint against the credit bureaus for not removing fraudulent accounts from my consumer report, despite providing all necessary documentation, including a police report, FTC report, identity verification documents ( driver 's license, Social Security card ), and a dispute letter requesting the removal of fraudulent items. The accounts in question do not belong to me, and I have followed the proper steps to report the fraud. **Detailed Description : ** I recently checked my consumer credit report and noticed several accounts listed that are fraudulent and do not belong to me. Upon discovering this, I immediately reported the fraud to the police and filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also provided copies of my drivers license, Social Security card, and a dispute letter requesting the removal of these fraudulent accounts. Despite submitting the necessary documentation, the credit bureaus have failed to take appropriate action in a timely manner. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block and remove fraudulent information within 2-4 business days of receiving notice of identity theft. The FCRA also allows for a 30-day period during which the bureaus can still conduct an investigation, but the fraudulent accounts must be removed or blocked within the initial 2-4 business day window. I have not received any confirmation that the fraudulent accounts have been blocked or removed from my report. This is a clear violation of my rights under the FCRA. I am requesting that the CFPB assist me in ensuring the credit bureaus comply with the FCRA and promptly remove the fraudulent accounts from my report. I also request that any fees or penalties related to this violation be assessed and appropriate action be taken. **Documentation Provided : ** - Police report confirming identity theft - FTC Identity Theft Report - Copy of my drivers license - Copy of my Social Security card - Dispute letter requesting the removal of fraudulent accounts
Frequently Asked Questions
What is Complaint #12186945 about?
Complaint #12186945 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 2025-02-18T12:00:00-05:00.
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.