Consumer complaint received 2024-08-02 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collections activity related to this item cease pursuant to my rights within the FCRA and FDCPA laws. 

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .The accounts have resulted in a fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account the collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account collections, are the result of identity theft and fraud. 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 account collections are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( Demand for relief ) : I request, pursuant to FCRA 6 6058 ( 15 U.S.C. 6 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the 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