Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint is filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies XXXX, Experian, and XXXX block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of receiving this complaint. The disputed information includes fraudulent and inaccurate details from several accounts. A personal credit card account with XXXX XXXX was opened in XX/XX/XXXX, which incurred fraudulent charges of {$520.00}. Additionally, an account with XXXX XXXX XXXX XXXX  was fraudulently opened in XX/XX/XXXX, though the amount of fraudulent charges is unknown. There is also an unauthorized account with MI XXXX XXXX XXXX XXXX, but both the opening date and fraudulent charge amounts remain undetermined. Furthermore, a fraudulent account associated with XXXX XXXX XXXX XXXX has accrued {$900.00} in fraudulent charges, and similarly, an account with XXXX XXXX XXXX has an unspecified opening date with fraudulent charges totaling $ XXXXXXXX XXXX XXXX  {$880.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX FIN {$1900.00}, XXXX {$4500.00}, XXXX XXXX {$320.00}, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX These accounts have led to several unauthorized hard inquiries and collections appearing on my credit reports. I've attached a list of the hard inquiries in question and a copy of the consumer XXXX credit reports showing the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries on my credit reports were not initiated by me and are the result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX as evidence from the US Federal Trade Commission that all the disputed consumer credit accounts, collections, and hard inquiries are due to identity theft and fraud.

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