Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I am writing to formally demand the immediate removal and blocking of fraudulent accounts and unauthorized inquiries that continue to appear on my credit report despite my repeated disputes. 

As a XXXXXXXX XXXX working tirelessly to provide for my children, I am deeply frustrated by the financial obstacles caused by Experian, TransUnions and Equifax failure to uphold my consumer rights. These errors are preventing me from securing stable housing, employment opportunities, and essential credit resourcesthings that directly impact my familys well-being. 

I have already provided documentation proving that these accounts and inquiries are fraudulent, yet they remain on my report, adding unnecessary financial stress and making it harder for me to create a secure future for my children. This is unacceptable. 

Under XXXX5 U.S. Code 1681c-2, I have the legal right to have fraudulent accounts and inquiries permanently blocked and removed from my credit file. I am demanding that Experian and TransUnion comply with federal law and take action immediately. 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : National Credit XXXX XXXX XXXX XXXX : XXXX Cash Store Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Security Credit Services Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX Original Creditor : Astound Broadband Powered By Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  U-Verse Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Unnamed Collection Agency Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$0.00} XXXX  Loans Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$2000.00} Unauthorized Hard Inquiries : Experian Credit Acceptance XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I demand written confirmation once this matter has been fully resolved. Additionally, due to your willful violation of my rights, I am requesting immediate compensation in the form of Certified Funds payable to : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Failure to comply within the legally mandated timeframe will leave me with no choice but to escalate this matter to legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. 

I expect prompt action and written confirmation of resolution. Thank you for your immediate 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