Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Request for Investigation and Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple fraudulent accounts and inquiries on my Experian credit report that are the result of identity theft, likely stemming from a data breach. These unauthorized accounts and hard inquiries have negatively impacted my credit score and financial standing, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal and state consumer protection laws. 

Upon reviewing my Experian credit report, I have identified the following fraudulent hard inquiries, which I did not authorize : 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX 6, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX Additionally, the following closed accounts appear on my credit report, negatively affecting my credit history, and I believe they may be linked to fraudulent activity : 1. XXXX XXXX Opened XX/XX/XXXX ( Closed at credit grantors request ) 2. XXXX XXXX XXXX Opened XX/XX/XXXX ( Closed ) 3. XXXX XXXX XXXX Opened XX/XX/XXXX ( Closed ) 4. XXXX XXXX Opened XX/XX/XXXX ( Closed ) 5. XXXX XXXX Opened XX/XX/XXXX ( Charged off, {$110.00} past due ) 6. XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX ( Closed, one late payment ) 7. XXXX XXXX Opened XX/XX/XXXX ( Closed ) 8. XXXXXXXX XXXX Opened XX/XX/XXXX ( Closed, four late payments ) 9. XXXX XXXX Opened XX/XX/XXXX ( Closed, sent to collections, {$1000.00} past due ) The unauthorized nature of these inquiries and accounts has caused financial and emotional distress. According to the FCRA, credit bureaus must remove fraudulent information when a consumer reports identity theft. I am formally requesting : 1. The removal of all fraudulent hard inquiries listed above.

2. The deletion of all fraudulent closed accounts and derogatory marks associated with identity theft.

3. An updated credit report reflecting these corrections.

I have enclosed supporting documentation, including : A copy of my Experian credit report with the fraudulent accounts and inquiries highlighted.

A copy of my government-issued ID for verification.

A copy of my FTC Identity Theft Report ( if applicable ).

Please investigate these matters urgently and ensure that Experian complies with federal and state consumer protection laws. I appreciate your prompt assistance in resolving this issue. Please confirm in writing once the necessary corrections have been made. 

Thank you for your time and attention. I can be reached at XXXX or XXXX should you require any further information.

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