Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, a unauthorized account was created and used in my name and was observed on my credit report. My information was hacked and was compromised/ exposed on the Dark Web in XXXX and also in XXXX. I am currently in a court settle agreement with XXXX  for several data breach leaks. They have already corrected the unauthorized information and deleted inaccuracies on my credit report. I have filled a theft identity report and have reported this fraudulent account information to XXXX XXXX and I was advice to report it to the credit bureaus for deletion. When accessing Experians website to view my credit report. It clearly shows that on the XXXX XXXX my credit file was locked, inaccurate and unauthorized information was reported. It also shows on Experians website that my social security number and email address. An address that belonged to a relative that I did not reside at the time was used to obtain a credit card account with XXXX XXXX via mail/ via web which is risky. I reside at a different address ( See credit bureau report attached with dispute of address I reside at in XXXX and also credit file lock ) My phone number, work information and name was found In the ( Dark Web ) and used accross the web without my knowledge or consent. I have been harassed by XXXX XXXX, have received many after hour calls and was told that even if the account was not authorized, they will still collect moneys not owed to them. I have obtain a lawyer that is working this case. A collection agency on the behalf of XXXX XXXX has been calling/ threatening me and also informed me that this account was Sold to them and I need to pay them. Attached with this dispute are documents proving my address was a different address that was reported to the credit bureaus prior in XXXX, where I resided. Also documents that my credit file with Experian was locked in XXXX XXXX. I was not contacted by XXXX XXXX or sent any documents in reference to this account being opened by me or to confirmed. My information was compromised and this account was opened via web without my consent or knowledge. I was not aware at the time to contact law enforcement and was also told to do a identity theft report once I observed this fraudulent information on my credit report. This account is damaging my credit file and this needs to be removed immediately. XXXX XXXX has been theft in reference to overdraft fees and fraudulent opened accounts and trying to collect moneys from the victim to gain profit. Listed below are also several unauthorized hard inquiries that was not consented by me. 1 ) XXXX XXXX- on XXXX, 2 ) XXXX XXXX XXXX XXXX and 3 ) XXXX XXXX XXXX. My drivers license was loss and replaced on XX/XX/XXXX. A few months after this account was opened by a unknown person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief