Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for {$870.00} ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for {$4200.00} ; XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year> for {$330.00} ) XXXX XXXX that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. 

I am filing this FTC Identity Theft Affidavit to report three ( 3 ) fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collections opened at XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$870.00}, at XXXX XXXX  XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$4200.00}, and at XXXX XXXX XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$330.00}. These accounts have resulted in several unauthorized hard inquiries and fraudulent collections negatively impacting my credit report. I demand that these items be removed from all of my consumer credit reports and that all related collection activity cease immediately, pursuant to my rights under the FCRA and FDCPA. 

I am filing this FTC Identity Theft Affidavit to report three ( 3 ) fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collections opened at XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$870.00}, at XXXX XXXX  XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4200.00}, and at XXXX XXXX XXXX XXXX XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$330.00}. These accounts have resulted in several unauthorized hard inquiries and fraudulent collections negatively impacting my credit report. I demand that these items be removed from all of my consumer credit reports and that all related collection activity cease immediately, pursuant to my rights under the FCRA and FDCPA.

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