Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft which has caused a tremendous amount of financial and mental stress. I recently viewed a full credit report from identityiq.com and found many discrepancies along with countless FRAUDULENT accounts. I also have many risk factors listed as so " The date you opened your last account is too recent, The balances on your account are too high compared to loan amounts, You have too many collection agency accounts that are unpaid, Lack of sufficient relevant real estate account information. My personal information has also been apart of the XXXX, XXXX, and XXXX data breaches. 
XXXX, Experian, and XXXX all have my name incorrectly listed as : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The CORRECT listing of my name should ONLY be XXXX XXXX XXXX ( middle name is NOT required and is OPTIONAL ) and no other names or variations of my name should have ever been listed. 
My full date of birth also does not need to be listed and should ONLY state the year which is XXXX. 
INCORRECT addresses such as XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl NEED to be removed IMMEDIATELY. 
I am also self-employed and the incorrect employer listed as : XXXX and XXXX XXXX NEED to be removed IMMEDIATELY. 
All of the accounts listed need to be removed immediately because of Identity theft, Fraud, and incorrect information that have been reported from all three Credit Bureaus : XXXX XXXX account number : XXXX, total amount of alleged debt : {$16000.00}. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), account number : XXXX, total amount of alleged debt {$1700.00}. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), account number : XXXX, total amount of alleged debt : {$1700.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, total amount of alleged debt {$170.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ), account number : XXXX, total amount of alleged debt {$170.00}. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), account numberXXXX, total amount of alleged debt {$1600.00}. XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX, total amount of alleged debt $ XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), account number : XXXX, total amount of alleged debt {$170.00}. ( Original Creditor : XXXX XXXX XXXX ), account number : XXXX, total amount of alleged debt {$3100.00}. XXXX, account number : XXXX, total amount of alleged debt {$2500.00}. XXXX XXXX XXXX, account number : XXXX, total amount of alleged debt {$790.00}. XXXX, account number : XXXX, total amount of alleged debt {$600.00}. XXXX XXXX XXXX, account number : XXXX, total amount of alleged debt {$1700.00}. XXXX XXXX account number : XXXX and XXXX, total amount of alleged debt {$8800.00}. XXXX, account number : XXXX, total amount of alleged debt {$2400.00}. XXXX XXXX XXXX, account number : XXXX, total amount of alleged debt {$1600.00}. 
Also these HARD INQUIRIES also need to be removed immediately that have been reported by Experian : XXXX XXXX date of inquiry- XX/XX/XXXX and XXXX XXXX  date of inquiry- XX/XX/XXXX. I have no connection to any of these accounts and this has prevented me from getting approved for credit cards, or any loans etc. I have gone through great XXXX fighting off scam calls which resulted in me registering my name with the Donotcall registry. I am in need of extreme financial freedom after suffering from the impact of someone using my information and also my information being apart of a data breach that released personal sensitive information. 
I have filed 3 reports with the FTC and even thought the 'date of discovery ' ( XX/XX/XXXX ) were mixed up with 'date fraud began " ( XXXX ), I have corrected that information with a follow up report with the Federal Trade Commission and also this detailed report here with the CFPB. These 3 credit Bureaus violated laws and 15 U.S. codes 1679 and more. 
This is shockingly way too much reported on my credit profile and I would like to have the equal opportunity to establish excellent credit history that is true and not tainted by fraud and also to receive the benefits of excellent credit that would be in return be a remedy to my financial stress and hardships that I have endured.

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