Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Personal Statement My information was exposed in the data breach with Equifax, Trans Union Experian and XXXX and also i have been XXXX  while this fraudulent accounts in inquiries was placed on my credit report these Fraudulent accounts and inquiries must be investigated and removed under 15 U.S.C 1681-2 ( B ) XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit card XXXX $ limit, XXXX XXXX  XXXX accounts, inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , all the above inquiries and account our fraudulent and should be removed from my Equifax TransUnion and Experian and XXXX I have been exposed to the data breaches my information and identity was stolen as well please remove this fraudulent inquiries and account under fair credit reporting Act 15 UFC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ). The XXXX XXXX XXXX is also reporting different information on each credit bureau oXXXX TransUnion reporting one 30 day late payment, on Experian its reporting XXXX XXXX  day late payments, on Equifax these no late payments reporting at all, however theses accounts are reporting to many inconsistencies and must be removed from my credit report 15 U.S.C. 1681i Procedure in case of disputed accuracy status cited 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Also I wasnt never notified by mail, email nor any phone call to inform me that a account, inquiry, late payment was being placed on my credit report which is a violation under the statute 15 U.S. Code 1679c - Disclosures and 15 USC 1637nRequires creditors to disclose the late payment deadline and fee on the billing statement, however I was never notified about any late payments because this account is not mine, 15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date, being that this account is not mine and fraudulent I was unable to receive any information about these accounts which violates the 15 U.S. Code 1666b - Timing of payments status which why this XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit cards and all unauthorized inquiries must be removed immediately from my credit report along with any other negative remarks because they all resulted from identity theft and fraud 15 U.S. Code 1681c2 - Block of information resulting from identity theftb ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; Please remove these fraudulent accounts and inquiries thank you

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