Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I have been a victim of identity theft, and fraudulent accounts, collections, and hard inquiries have been added to my credit file without my knowledge, authorization, or consent. These unauthorized transactions have severely impacted my credit score and financial stability, and I am requesting that the involved companies immediately remove all fraudulent accounts and inquiries in compliance with the Fair Credit Reporting Act ( FCRA ).

Discovery of Fraudulent Accounts & Inquiries Upon reviewing my credit report on [ date you discovered the fraud ], I identified multiple unauthorized accounts and hard inquiries that I did not open, apply for, or consent to. The fraudulent accounts and inquiries are as follows : Fraudulent Collections Accounts : 1. XXXX  XXXX XXXX Opened XX/XX/XXXX, with a reported balance of {$2800.00}. 
XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX, with a reported balance of {$5500.00}. 
XXXX. XXXX  XXXX Opened XX/XX/XXXX, with a reported balance of {$3100.00}. 

Fraudulent Hard Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX ( XXXX XXXX ) Dated XX/XX/XXXX. 
XXXX. XXXX XXXX / XXXX Dated XX/XX/XXXX. 
XXXX. XXXX XXXX Dated XX/XX/XXXX. 
XXXX. XXXX XXXX / XXXXXXXX XXXX Dated XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Actions Taken to Dispute the Fraudulent Accounts & Inquiries 1. Filed an Identity Theft Report : I filed a police report regarding identity theft and fraudulent accounts. 
I submitted an FTC Identity Theft Affidavit to document and dispute the fraudulent activity. 
2. Disputed Accounts & Inquiries with Credit Bureaus : I contacted Experian, Equifax, and TransUnion to dispute the fraudulent accounts and inquiries. 
I provided the police report, FTC affidavit, and proof of identity to substantiate my claim. 
I requested a fraud alert and credit freeze to prevent further fraudulent activity. 
3. Contacted the Companies Reporting Fraudulent Information : I contacted each creditor and collection agency ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others ) to inform them of the identity theft. 
I requested verification of each account and inquired about supporting documentation proving I opened or authorized the accounts. 
I demanded the immediate removal of these fraudulent accounts under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Issues with the Companies Response Despite providing proper documentation and proof that these accounts are fraudulent, the companies involved have failed to take appropriate action, including : Continuing to report fraudulent accounts to credit bureaus despite clear evidence of identity theft.

Failing to provide supporting documentation proving I authorized or applied for these accounts.

Ignoring my disputes or improperly verifying the fraudulent accounts as valid.

Neglecting their legal responsibilities under FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to properly investigate disputes and stop reporting fraudulent information.

Request for CFPB Action & Resolution I am requesting urgent intervention from the CFPB to ensure that : 1. All fraudulent accounts and inquiries are permanently removed from my credit reports. 
2. Creditors and collection agencies provide written confirmation that these accounts have been removed.

3. Any negative credit reporting ( late payments, charge-offs, collections ) related to these fraudulent accounts is erased.

4. The companies involved comply with the FCRA and stop reporting fraudulent information.

5. I am not held financially responsible for these fraudulent debts. 

I have attached the following supporting documents to verify my claims : A copy of my police report documenting the identity theft. 
A copy of my FTC Identity Theft Affidavit. 
Copies of my disputes to credit bureaus and creditors. 

I request that these fraudulent accounts be removed immediately, as required by federal law, and that I receive written confirmation of their deletion. If these companies fail to comply, I reserve the right to pursue legal action for damages under FCRA 616 ( 15 U.S.C. 1681n ).

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