Consumer complaint received 2025-07-15 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: NH

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 a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX with a balance of {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX with a {$0.00} balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX with a balance of {$6100.00} XXXX XXXX XXXX XXXX unsecured loan ( XXXX * ) reported on XX/XX/XXXX with a {$0.00} balance XXXX XXXX an Absolute Resolutions I collection account ( XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$170.00} XXXX XXXX, and a XXXX XXXX XXXX account ( XXXX XXXX XXXX reported on XX/XX/XXXX with a balance of {$390.00} * * 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 XXXX and XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include : a credit card from XXXX ( XX/XX/XXXX, {$1200.00}, Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a credit card from XXXX XXXX XX/XX/XXXX, {$0.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), an auto lease from XXXX XXXX XXXX XX/XX/XXXX, {$3100.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ), an auto loan from XXXX XXXX XXXX XX/XX/XXXX, {$6100.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), an unsecured loan from XXXX XXXX XX/XX/XXXX, {$0.00}, Acct : XXXXXXXX XXXX XXXX XXXX ), and two collection accounts from XXXX XXXX  ( XX/XX/XXXX XXXX {$390.00}, Acct : XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX, {$170.00}, Acct : XXXX XXXX XXXX XXXX XXXX XXXX ). These unauthorized accounts have resulted in fraudulent hard inquiries and derogatory information on my credit report. I demand their immediate removal from all of my consumer credit reports and the cessation of all related collection activity, in accordance with 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 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