Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I am a victim of identity theft stemming from multiple major data breaches, including the XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX  ), and XXXX Companies breaches, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that a significant data breach occurred on XX/XX/XXXX, due to hackers. This breach, revised in XX/XX/XXXX, affected all three XXXX accounts, compromising names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions. On XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XX/XX/XXXX and XX/XX/XXXX, exposing consumer data, including names, addresses, phone numbers, email addresses, and other sensitive personal information. In XX/XX/XXXX, XXXX XXXX XXXX revealed a breach that occurred in XXXX. Malicious software installed on its payment processing network exposed payment card data for an estimated XXXX XXXX accounts. The XXXX XXXX breach, disclosed in XX/XX/XXXX, involved hackers accessing the companys payment systems from XXXX to XXXX, compromising over XXXX XXXX debit and credit card numbers. In XXXX, the XXXX XXXX XXXX ( XXXX ) suffered a breach where hackers exploited vulnerabilities, compromising names, Social Security numbers, and financial data for millions of consumers. Finally, in XXXX, XXXX Companies disclosed a breach that began as early as XXXX. Hackers infiltrated the companys network and stole data, including credit and debit card information, affecting over XXXX XXXX  accounts. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with XXXX XXXX on XXXX, a personal credit card with XXXX XXXX XXXXXXXX on XXXX, a personal credit card with XXXX XXXX on XXXX, a home mortgage loan with XXXX XXXX XXXX on XXXX and hard inquiries with XXXXXXXX XXXX XXXX on XXXX, with XXXX XXXX on XXXX, XXXX on XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX on XXXX and with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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