Consumer complaint received 2025-02-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Transunion, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge off account for an credit card with XXXX opened on XX/XX/XXXX under the account number XXXX, Also XXXX XXXX  opened on XX/XX/XXXX resulted in XXXX credit card late payments that was paid on time under the account number XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX in a charge off under the account number XXXX, Also XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX late payments that was paid on time under the account number XXXX, Also XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX resulted as a collection under the account number XXXX, Also XXXX XXXX opened on XX/XX/XXXX resulted as a collection under the account number XXXX account have resulted in several fraudulent hard inquiries, collections, and charge offs also late payments appearing on my consumer FICO credit report. I do notrecognize the aforementioned account collection, hard inquiry nor charge off asreported on my credit report, the aforementioned account, collection,, charge off and hard inquiry appearing on my customer credit report maintained by you werent opened, made, or initiated by me. All of the aforementioned account, collection, charge offs and hard inquiries are the result of identity theft and fraud. Ihave attached a copy of FTC Identity Theft Criminal Complaint ID THEFT REPORT number here XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge-offs and hard inquiries are the result of identity theft and fraud, Also accordance to 15 USC.

1666 B and 15 USC. 6801 ( a ) ( b ) accounts that belong to me and not to me I have received late payments on my credit reports without mail being delivered to my address or email informing me that my account is past due or late, I also didnt give the reporting agency permission to furnish my accounts Im asking for these late payments be removed within 4 days or immediately. This is a form of communication by reporting to my credit report I ask that all communication stop, I also filed a police report and contacted the creditors and they asked for me to reach out to the reporting agency to immediately delete these fraudulent accounts. In accordance to 15 USC. 6801 ( a ) ( b ) my personal information has not been protected, Ive received threats that my personal information, social security number will be used fraudulently, and have been used fraudulently I have not been protected by anticipated threats nor have Ive been protected against unauthorized accounts/access on my credit reports by Experian, Transunion nor Equifax. 15 USC. 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, FCRA 605B ( 15 U.S.C. 1681c-2 ), 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B In accordance with the Fair Credit Reporting act. The List of accounts stated above has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. and also violated all these laws 15 USC . 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, FCRA 605B ( 15 U.S.C. 1681c-2 ), 15 USC 6801 ( a ) ( b ) 15 USC. 1666B I noticed on my credit report, some things are incomplete and not accurate and this account was not opened by me. Also according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC. 1681 ( e ) ( b ). Als accordance to 15 USC. 1666 B and 15 USC. 6801 ( a ) ( b ) accounts that belong to me and not to me I have received late payments on my credit reports without mail being delivered to my address or email informing me that my account is past due or late, I also didnt give the reporting agency permission to furnish my accounts Im asking for these late payments be removed within 4 days or immediately. In accordance to 15 USC. 6801 ( a ) ( b ) my personal information has not been protected, Ive received threats that my personal information, social security number will be used fraudulently, and have been used fraudulently I have not been protected by anticipated threats nor have Ive been protected against unauthorized accounts/access on my credit reports by Experian, Transunion nor Equifax.

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