Consumer complaint received 2025-01-10 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute several inaccuracies and fraudulent entries on my credit report related to identity theft and the XXXX XXXX data breach, which compromised my personal information. Despite filing disputes with the credit reporting agencies and notifying them of my status as a victim of identity theft, numerous derogatory items remain on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681bEB The following items on my credit report require immediate investigation and removal due to inaccuracies and lack of proper verification : XXXX XXXX XXXX XXXX XXXX XXXX ( Creditor XXXX XXXX XXXX XXXX Balance : {$430.00} Already removed from XXXX but remains on other reports. 

This account is fraudulent and should be permanently removed from all reports. 

XXXX. School Loan ( Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed/paid but listed with incorrect dates and incomplete payment history. 

This account is 14 years old and should no longer appear, even if listed as charged off. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX Opened by creditor in XXXX during mail theft. 

I never received or used this card. This account is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} Opened XX/XX/XXXX, shortly after my driver 's license was stolen and reported on XX/XX/XXXX. 

I did not apply for this card, and the account was fraudulently opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$610.00} Opened XX/XX/XXXX, with my credit under fraud alert and frozen at the time. 

This account is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2900.00} This loan was also fraudulently opened, and its listing on XXXX XXXX inaccurate. 

Additionally, I have observed numerous unauthorized inquiries, incorrect addresses, phone numbers ( 12 I noticed ), and subprime lenders linked to my reports, which further indicate ongoing fraud i.e XXXX XXXX Clarity Experian, XXXX XXXX noticed on my latest Experian report, they added more alternate lenders including XXXX payday loans for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge XXXX XXXX XXXX, but it gave no further information. I never personally have ever taken out or saw these extra debts had I noticed this very small, almost hidden side bar. I clicked on this small notifications link with 54 inquiries and 4 loans total. Despite my efforts to freeze my credit and notify the bureaus, these errors remain unresolved. I also have recently on XX/XX/XXXX a auto loan XXXX XXXX XXXX XXXX # XXXX. I contacted and let them know it was not me and to not pursue applicant as it was a fraudulent request. Also on XX/XX/XXXX another large APR personal Loan was requested in my name and I was alerted online. I check my credit almost daily and although things have dropped off, especially from XXXX debts removed and 2 school loans paid off, yet my score was at XXXX in XX/XX/XXXX down to XXXX by XX/XX/XXXX? With no explanation. The site states each removed items was XXXX points, which, now it's a new year XXXX and nothing has changed. These items have put a strain on my life in in very extreme way and it's kept me from moving forward with my life and has kept me down, with very low mood and feeling hopeless no matter how hard I've worked to get these taken off, even with these extremely obvious reasons ( XXXX ) I got a small {$18.00} check a couple months ago, but since I originally filled out that form, sooo much more has happened My credit report explicitly notes that I am a victim of identity theft. It is unacceptable that unverified, fraudulent debts continue to damage my credit score and violate my rights under the FCRA. I respectfully request that the CFPB investigate my claims and ensure the immediate removal of these inaccurate items from my credit report. 

Please let me know if any additional documentation is required. I have included my identity theft affidavit and a police record, which is a incident report where applicable. Thank you for your attention to this matter.

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