Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX, am filing a complaint to request in compliance with the FCRA XXXX ( XXXX XXXX. XXXX ) regarding information appearing on my consumer credit report that is inaccurate and unverifiable. I believe this information XXXX be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. Provided this inaccurate and unverifiable information must be the result of identity theft and or fraud ; if it remains inaccurate and unverifiable this information must be removed within XXXX business days of you receiving this complaint. 

I am writing to report and formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( XXXX  ) XXXX U.S.C. XXXX and the Fair Credit Reporting Act ( XXXX  ) XXXX XXXX. XXXX. The following account ( XXXX ) are being reported incorrectly as I did not authorize nor do I recognize these accounts. Therefore, they must be deleted immediately : Collections : XXXX Account # XXXX Account Type Collection Agency/Attorney Placed in Collections XX/XX/XXXX Amount Owed {$330.00} Collections : XXXX XXXX XXXX Account XXXX XXXX Account Type Collection Agency/Attorney Placed in Collections XXXX XXXX, XXXX Amount Owed {$640.00} Collections : XXXX CREDIT BUREAU Account XXXX XXXX Account Type Collection Agency/Attorney Placed in Collections XXXX XXXX, XXXX Amount Owed {$3300.00} Collections : XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney Placed in Collections XX/XX/XXXX Amount Owed {$420.00} Closed account XXXX XXXX XXXX BANK Date Opened XX/XX/XXXX Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$1200.00} XXXX inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN Experian XX/XX/XXXX CONSUMER PORTFOLIO SVC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX NCCINC/ENTERPRISE CAR Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Installment Accounts- Experian Only MODERN FINANCE XXXX Collection/Chargeoff XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX MODERN FINANCE XXXX Closed Closed on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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.

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 explanation