Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint due to ongoing identity theft issues affecting all three of my credit reports. Specifically, there are multiple fraudulent entries reporting under the name : XXXX This name appears XXXX times on my credit reports with varying account numbers and dollar amounts, which I did not authorize, apply for, or benefit from in any capacity. 
These accounts were opened fraudulently and do not belong to me. 

Additionally, I have identified multiple unauthorized hard inquiries from unknown entities across Experian, Equifax, and TransUnion. These inquiries were made without my consent or any permissible purpose, which directly violates 15 U.S. Code 1681b, which restricts access to consumer credit reports unless explicitly authorized or initiated by the consumer. 

These fraudulent entries and inquiries are materially damaging my credit standing and have caused me emotional and financial distress. I am actively working to resolve the identity theft with law enforcement, the FTC, and the credit bureaus. 

The unauthorized reporting and repeated appearance of XXXX XXXX XXXX on my credit reports. 
The unlawful credit inquiries made under my name in violation of FCRA XXXX681b.

That these accounts and inquiries be permanently removed from my credit profile, and that the data furnishers provide proof of consent or applicationotherwise they must delete the entries per federal law. 
I have submitted disputes to the credit bureaus and filed an FTC Identity Theft Report reference # XXXX as part of this process. 


I am the victim of identity theft. There are multiple fraudulent accounts reporting on my credit reports under the name XXXX, appearing XXXX times with different amounts. I also have several unauthorized credit inquiries that I did not initiate or authorize. 

Pursuant to 15 U.S. Code 1681c2, I am formally requesting that all accounts and inquiries resulting from identity theft be blocked and removed from my credit reports. I have provided an FTC Identity Theft Report and supporting documentation, and I assert my right under the FCRA to have this fraudulent information suppressed immediately. 


The accounts and inquiries in question are as follows : XXXX. XXXX ( Original Creditor : XXXX XXXX  XXXX  ) BALANCE : {$170.00} STATUS : OPEN ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX  XXXX  ) BALANCE : {$700.00} STATUS : OPEN ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX  XXXX  ) BALANCE : {$420.00} STATUS : OPEN ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$590.00} STATUS : OPEN ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) BALANCE : {$350.00} STATUS : OPEN ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( Original Creditor : XXXX XXXX  XXXX  ) BALANCE : {$990.00} STATUS : OPEN ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX  XXXX  ) BALANCE : {$370.00} STATUS : OPEN ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  The above accounts are all fraudulent and are included in my FTC Identity Theft report. 
The following inquiries I am also contesting as fraudulent. 

TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Loans XX/XX/XXXX Thank you for your attention to this matter. 
I am asking for your help in ensuring my rights under the Fair Credit Reporting Act are fully enforced. 

Sincerely, XXXX XXXX XXXX XXXX see attached. 
Copy of ID and utility bill ( proof of identity ) FTC Identity Theft Report

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