Consumer complaint received 2024-11-11 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: MO

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card accounts opened at XXXX XXXX ( XXXX ) on XX/XX/XXXX under the account number starting with ( XXXX ), XXXX XXXX  Account starting with ( XXXX ) opened on XX/XX/XXXX, and XXXX XXXX  Account starting with ( XXXX ) opened on XX/XX/XXXX. A line of credit account from XXXX XXXX  Account starting with ( XXXX ) opened XX/XX/XXXX. Auto loan accounts opened at XXXX XXXX account starting with ( XXXX ) on XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX ) account starting with ( XXXX ) opened XX/XX/XXXX. I also have a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX with a balance of {$1000.00}. Collection Accounts XXXX XXXX XXXX XXXX for XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX XXXX for XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agencies Text ( Experian, XXXX, and XXXX ) : What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud from data breaches in my name from XXXX, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX ( XXXX ) on XX/XX/XXXX, XXXX XXXX  Account starting with ( XXXX ) opened on XX/XX/XXXX, and XXXX XXXX  Account starting with ( XXXX ) opened on XX/XX/XXXX. A line of credit account from XXXX XXXX  Account starting with ( XXXX ) opened XX/XX/XXXX. Auto loan accounts opened at XXXX XXXX  account starting with ( XXXX ) on XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX ) account starting with ( XXXX ) opened XX/XX/XXXX. I also have a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX with a balance of {$1000.00}. Collection Accounts XXXX XXXX XXXX XXXX for XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX XXXX for XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud coming from Data Breaches that I attached from the years of XXXX.

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 non-monetary relief