Consumer complaint received 2025-05-17 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: IN

Complaint narrative:
I am filing a formal complaint regarding numerous fraudulent accounts that have been reported on my credit file due to a data breach in which my personal information was compromised. These accounts were not opened by me and are the direct result of identity theft. Despite repeated disputes and submission of supporting evidence, these accounts remain on my credit report and are seriously damaging my credit profile. 



The following accounts are fraudulent and were not authorized by me : XXXX XXXX XXXX {$98.00} Account # : XXXX XXXX  XXXX {$1500.00} Account # : XXXX XXXX XXXX XXXX  {$1000.00} Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX {$4500.00} Account # : XXXX XXXX XXXX {$5500.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX {$820.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX {$17000.00} Account # : XXXX XXXX XXXX XXXX  {$7000.00} Account # : XXXX XXXX XXXX {$8300.00} Account # : XXXX I have submitted multiple disputes along with proper documentation including : FTC Identity Theft Reports Proof of my personal information being compromised in a data breach Supporting documents confirming these accounts were opened fraudulently Under FCRA Section 605B, I am entitled to have all information resulting from identity theft blocked and permanently removed from my credit file once proper documentation is provided. The continued presence of these accounts is a direct violation of federal law and a gross negligence of consumer protection responsibilities. 



This willful noncompliance has left me with no choice but to file this complaint with the CFPB. If these accounts are not immediately and permanently removed, I will proceed to retain legal counsel and explore all options, including civil litigation, for the failure to act in accordance with the Fair Credit Reporting Act. 



This is your notice.I am filing a formal complaint regarding numerous fraudulent accounts that have been reported on my credit file due to a data breach in which my personal information was compromised. These accounts were not opened by me and are the direct result of identity theft. Despite repeated disputes and submission of supporting evidence, these accounts remain on my credit report and are seriously damaging my credit profile. 



The following accounts are fraudulent and were not authorized by me : XXXX XXXX XXXX {$98.00} Account # : XXXX XXXX  XXXX {$1500.00} Account # : XXXX XXXX XXXX XXXX  {$1000.00} Account # : XXXX XXXX XXXX  XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX {$4500.00} Account # : XXXX XXXXXXXX XXXX {$5500.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX {$820.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX {$17000.00} Account # : XXXX XXXX XXXX XXXX  {$7000.00} Account # : XXXX XXXX  XXXX  {$8300.00} Account # : XXXX I have submitted multiple disputes along with proper documentation including : FTC Identity Theft Reports Proof of my personal information being compromised in a data breach Supporting documents confirming these accounts were opened fraudulently Under FCRA Section 605B, I am entitled to have all information resulting from identity theft blocked and permanently removed from my credit file once proper documentation is provided. The continued presence of these accounts is a direct violation of federal law and a gross negligence of consumer protection responsibilities. 



This willful noncompliance has left me with no choice but to file this complaint with the CFPB. If these accounts are not immediately and permanently removed, I will proceed to retain legal counsel and explore all options, including civil litigation, for the failure to act in accordance with the Fair Credit Reporting Act. 



This is your notice. I expect prompt resolution and full removal of these fraudulent accounts.

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