Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
Data Breach Multiple Fraudulent Accounts My name is XXXX XXXX. I am submitting this sworn affidavit to formally report that I am a victim of identity theft caused by a data breach in which my name and personal identifying information were exposed, accessed, and misused without my knowledge, consent, or authorization. At no time did I grant permission for any third party to use my information to apply for credit, open accounts, enter contracts, or incur financial obligations. 

As a direct result of this breach, unknown individuals unlawfully used my compromised personal information to fraudulently open, use, and report multiple consumer credit accounts in my name, including but not limited to : XXXX XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance {$1900.00} XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, open balance {$1000.00} XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$1300.00} I did not apply for these accounts, did not sign or authorize any application or agreement, did not receive goods, services, or funds, and did not benefit in any way from these transactions. Any alleged contracts, applications, signatures, electronic authorizations, or account agreements associated with these accounts are fraudulent, XXXX XXXX XXXX, and legally unenforceable. 

This conduct constitutes identity theft under 15 U.S.C. 1681a ( q ) and is criminalized under 18 U.S.C. 1028. It also violates the Identity Theft Enforcement and Restitution Act and is actionable under 18 U.S.C. 1029 ( fraud and related activity in connection with access devices ). 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i ( a ), 1681s-2, 1681e ( b ), and 1681g ( a ) ( 1 ), consumer reporting agencies and furnishers of information are legally required to conduct a reasonable investigation and block, delete, and cease reporting all identity theftrelated information within 30 days. Failure to comply may constitute willful noncompliance, making the furnisher and CRA liable under 15 U.S.C. 1681n and 1681o for statutory and actual damages. 

Any attempt to collect, verify, sell, assign, or continue reporting these fraudulent debts violates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e, 1692f, 1692g, 1692c ( c ), 1692d, and 1692j. Continued collection efforts, reporting, or verification after notice may also violate FTC Regulation F and state identity theft statutes. 

Additional federal protections invoked include : FTC Identity Theft Rule ( 16 C.F.R. Part 603 ) requiring prompt response to identity theft notices Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., if any funds were fraudulently accessed Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., for unauthorized credit obligations I discovered these fraudulent accounts only after reviewing my consumer credit reports. Upon discovery, I acted immediately and in good faith by disputing the accounts, safeguarding my credit, and filing this report with the Federal Trade Commission. This affidavit formally asserts my rights and demands statutory compliance. 

I declare under penalty of perjury that the information contained in this statement is true and correct to the best of my knowledge and belief.

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