Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #13331366
Complaint Overview
Complaint ID: 13331366
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: South Carolina
ZIP Code: 29045
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Subject : Dispute of Fraudulent Credit Account under FCRA Section 605 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing a fraudulent credit account opened under the name [ Fraudulent Name ], which is not my name, [ Your Name ], in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605. This fraudulent account is negatively impacting my credit score. I have never applied for or received a credit card from your institution, and I have never used the card in question. Therefore, I refuse to pay any charges associated with it. This constitutes a violation of the FCRA as the information reported is inaccurate and incomplete, and was not obtained pursuant to my authorization under Section 605 ( b ). I request a complete investigation into the opening of this account, including the verification of the identity of the applicant and the complete audit trail of the account 's origination. This investigation should encompass, but is not limited to : * A copy of the application for the account in question. * Verification of the applicant 's identity, using methods that verify the individual applied for the account. This should include photographic or biometric evidence. * The complete transaction history behind the account 's opening. I demand the immediate re moval of this fraudulent account from my credit report and a written confirmation of its closure. Failure to comply with my request and correct the inaccurate information under FCRA Section 605 will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal recourse
Frequently Asked Questions
What is Complaint #13331366 about?
Complaint #13331366 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2025-05-04T12:00:00-05:00.
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.