Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ CREDIT BUREAU ] immediately block and permanently remove multiple fraudulent accountsCollections, Charge-Offs, Late Payments, and Hard Inquiriesthat 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. The fraudulent accounts include : a Collection at XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$420.00} ), an Auto Loan at XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$5900.00} ), a Collection at XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$860.00} ), a Collection at XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} ), a Collection at XXXX XXXX ( XXXXXXXX XXXX XXXX XX/XX/XXXX, {$9600.00} ), and a Collection at XXXX XXXX  ( XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$1300.00} ). I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX, XXXX, XXXX ) and supporting documentation, including proof that my personal data was compromised in the XXXX data breach. I demand these fraudulent items be blocked and permanently removed from my credit report. I am filing this FTC Identity Theft Affidavit to report XXXX ( XXXX ) fraudulent accounts appearing on my consumer XXXX Experian credit report that I do not recognize and that are the result of identity theft and fraud. These fraudulent accounts include : a collection account with XXXX acct. XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$420.00} ; an auto loan with XXXX XXXX acct. XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$5900.00} ; a collection account with XXXX XXXX XXXX acct. XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$860.00} ; a collection account with XXXX XXXX  acct. XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; and a collection account with XXXX XXXX acct. XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$9600.00}. These accounts resulted in unauthorized collections and negative reporting on my credit file. I demand that all listed fraudulent items be immediately removed from my consumer credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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