Consumer complaint received 2025-09-01 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that 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, and I have provided a valid FTC Fraud Report ( Criminal Complaint # [ Private Case Number ] ) along with supporting documentation, including proof that my personal data was compromised in the Equifax XXXX breach. Specifically, the fraudulent accounts reported by Experian include a XXXX mortgage account ending in XXXX * * * * * * *, opened on XX/XX/XXXX, with a reported balance of {$0.00} ; a DiscoverCard credit card account ending in XXXX * * * * * *, opened on XX/XX/XXXX, with a reported balance of {$120.00} ; an Upstart/Finwse personal XXXX account XXXX in XXXX * * *, opened on XX/XX/XXXX, with a reported balance of {$0.00} ; a XXXX collection account ending XXXX XXXX * * * * * * * *, opened on XX/XX/XXXX, with a reported balance of {$0.00} ; a XXXX XXXX XXXX XXXX  XXXX collection account ending in XXXX * * * * * * * * * *, opened on XX/XX/XXXX, with a reported balance of {$1300.00} ; an XXXX loan collection account ending in XXXX * * * *, opened on XX/XX/XXXX, with a reported balance of {$11000.00} ; a XXXX XXXX Bank XXXX. collection account ending in XXXX * * * * * * * * *, opened on XX/XX/XXXX, with a reported balance of {$1300.00} ; a collection account ending in XXXX * * * * * * * * * *, opened on XX/XX/XXXX, with a reported balance of {$1100.00} ; and a collection account ending in XXXX * *, opened on XX/XX/XXXX, with a reported balance of {$2400.00}. These accounts do not belong to me, were never authorized by me, and must be immediately blocked and permanently deleted pursuant to the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a mortgage with XXXX under account XXXX * * * * * * * opened XX/XX/XXXX for {$0.00}, a credit card with XXXX under account XXXX * * * * * * opened XX/XX/XXXX for {$120.00}, a personal loan with XXXX  under account XXXX * * * opened XX/XX/XXXX for {$0.00}, a collection with XXXX under account XXXX XXXX * * * * * * * opened XX/XX/XXXX for {$0.00}, a collection with XXXX XXXX under account XXXX * * * * opened XX/XX/XXXX for {$11000.00}, a collection with XXXX XXXX XXXX XXXX under account XXXX * * * * * * * * * opened XX/XX/XXXX for {$1300.00}, a collection with COLLECTION under account XXXX * * * * * * * * * * opened XX/XX/XXXX for {$1100.00}, and a collection with COLLECTION under account XXXX * * opened XX/XX/XXXX for {$2400.00} and a collection with XXXX XXXX XXXX XXXX. under account XXXX * * * * * * * * * * opened XX/XX/XXXX for {$1300.00}. These fraudulent accounts have generated false reporting, inquiries, and collections that damage my consumer XXXX credit report. I demand that these items be removed and all 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 XXXX ( XXXX ) 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