Consumer complaint received 2025-07-22 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: VA

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 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. The fraudulent accounts consist of : ( 1 ) a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$200.00}, and ( XXXX ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$870.00}. In addition, ( XXXX ) a collection account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$750.00}, and ( XXXX ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$2700.00}. I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report four ( 4 ) fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : ( XXXX ) a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$200.00}, ( XXXX ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX  with a balance of {$870.00}, ( XXXX ) a collection account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$750.00}, and ( XXXX ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) 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