Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13946476
Complaint Overview
Complaint ID: 13946476
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: Massachusetts
ZIP Code: 021XX
Date Received: 2025-06-06T12:00:00-05:00
Date Sent to Company: 2025-06-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a verified victim of identity theft and a known data breach. My Experian credit report contains two fraudulent accounts that I did not open, authorize, or use : XXXX XXXXXXXX {$1600.00} balance XXXX XXXXXXXX XXXX {$0.00} balance These accounts were reported without my permission and are the result of identity theft tied to a known data breach. On XX/XX/year>, I submitted a formal identity theft package under the Fair Credit Reporting Act ( FCRA ) 605B, including : FTC Identity Theft Report ( Report # : XXXX ) State-issued Massachusetts ID ( front & back ) XXXX utility bill ( proof of address ) Signed FCRA deletion request letter sent by USPS Despite providing all required documentation, Experian refused to block or delete the accounts and closed my dispute without investigation within 24 hours. This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates deletion of fraudulent accounts when proper identity theft documentation is submitted.
Frequently Asked Questions
What is Complaint #13946476 about?
Complaint #13946476 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 2025-06-06T12:00:00-05:00.
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.