Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13629080
Complaint Overview
Complaint ID: 13629080
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: Florida
ZIP Code: 33573
Date Received: 2025-05-20T12:00:00-05:00
Date Sent to Company: 2025-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last 4 : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : merchants acceptance c Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$990.00}, XXXX, XXXX XXXX XXXX Account XXXX XXXX * * date opened XX/XX/XXXX bal. {$660.00}. inquiries : XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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. I am writing to formally dispute inaccuracies on my credit report that have resulted from a data breach, as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA, I am requesting a thorough investigation into the items listed below. I believe that the following information on my credit report is inaccurate due to unauthorized access : Due to the recent data breach affecting my personal information, I am concerned that my credit report may contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft, and I would like to assert this right. I kindly request that you conduct a comprehensive investigation in accordance with Section 611 of the FCRA, which mandates that you must investigate my dispute within 30 days. Additionally, I expect to receive written verification of the findings of your investigation and, if applicable, an updated copy of my credit report. Enclosed are copies of my identification, proof of residence, and any other supporting documentation demonstrating my claim. I have also included a copy of my credit report for your review. Please address this matter with the urgency it requires, as the inaccuracies on my credit report could significantly impact my financial health. Should you require any additional information or documentation, do not hesitate to reach out to me at the contact details provided above. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #13629080 about?
Complaint #13629080 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 2025-05-20T12:00:00-05:00.
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.