Consumer complaint received 2025-08-01 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: MN

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including an XXXX XXXX XXXX Bankruptcy, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided supporting documentation, including proof that my personal data was compromised in the Equifax data breach. These fraudulent accounts include an XXXX XXXX XXXX  Bankruptcy, case number XXXX, filed on XX/XX/XXXX for {$0.00} ; a Credit Card opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$0.00} ; a Credit Card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00} ; a Credit Card opened at XXXX XXXX XXXXXXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00} ; a Credit Card XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00} ; a Credit Card opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00} ; an Auto Loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00} ; a Secured Loan opened at XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00} ; a Collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$1100.00} ; a Collection opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1600.00} ; a Collection opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$630.00} ; and a Collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$0.00}. I have also included a valid FTC Fraud Report # XXXX, # XXXX, XXXX, # XXXX, # XXXX & # XXXX as part of this formal complaint. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent items appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the direct result of identity theft and fraud. These include three fraudulent credit card accounts : XXXX opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX and XXXX at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent XXXX XXXX  Bankruptcy, case number XXXX, filed on XX/XX/XXXX, which has negatively impacted my credit standing ; three more fraudulent accounts including a Credit Card XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a Credit Card XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an Auto Loan at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a fraudulent Secured Loan opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent collection accounts consisting of XXXX at XXXX XXXX XXXX opened on XX/XX/XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$630.00} ; and finally, XXXX fraudulent collection account at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$0.00}. These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collection activity. I demand that all of the above fraudulent items be permanently removed from each of my consumer credit reports and that all associated collection activity be ceased immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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