Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
FTC Identity Theft Affidavit Consumer Name : XXXX XXXX XXXX Social Security XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Purpose of This Affidavit : This affidavit is being submitted to report three ( 3 ) fraudulent accounts that have appeared on my consumer FICO credit report. I do not recognize these accounts as my own, as they were fraudulently opened as a result of identity theft. The details of the fraudulent accounts are as follows : 1. Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX XXXX. Account Name : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX XXXX. Account Name : XXXX XXXX ( Child Support Agency ) Date Opened : XX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX These fraudulent accounts have resulted in the following issues on my credit report : Fraudulent Collections : Unjust collection activity is being pursued for debts that I did not authorize or incur.

Fraudulent Open Accounts : These accounts are being falsely reported as open accounts on my credit file.

I demand that these fraudulent accounts be removed from each of my consumer credit reports ( Experian, XXXX, and XXXX ) and that all related collection activities cease immediately, as I have rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

CFPB Complaint Against Credit Reporting Agencies To : Experian, XXXX, and XXXX XXXX Name : XXXX XXXX XXXX Social Security Number : [ Redacted for privacy ] Date of Birth : XX/XX/XXXX Purpose of Complaint : This CFPB complaint is being submitted to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that the following fraudulent information be blocked from my consumer credit reports. I request that you, as the relevant credit reporting agency, block the fraudulent items listed below within four ( 4 ) business days of receiving this complaint.

Fraudulent Accounts to be Blocked : 1. Account Name XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX XXXX. Account Name : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX XXXX. Account Name : XXXX XXXX ( Child Support Agency ) Date Opened : XX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX These fraudulent accounts have resulted in the following issues on my credit reports : Fraudulent Hard Inquiries : Inquiries related to these accounts were made without my authorization. 
XXXXraudulent Collections : Unjust collection activity is being pursued for debts that I did not authorize or incur.

Evidence Attached : List of Hard Inquiries : I have provided a list of fraudulent hard inquiries.

Consumer FICO Credit Report : I have attached a copy of my consumer credit report, which highlights the fraudulent accounts.

FTC Identity Theft Report : As further evidence, I have included a copy of my FTC Identity Theft Report.

The fraudulent accounts, hard inquiries, and collections associated with the accounts listed above were not authorized, made, or initiated by me. Therefore, I request that these items be permanently blocked from my consumer credit file as provided under FCRA 605B. 

Please send all written confirmation and correspondence regarding this complaint to my email address : XXXX.

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