Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I pulled my three-bureau credit report and found many accounts I did not open. I have an FTC Identity Theft Report ( Report # XXXX ), and I am sending it with this complaint. 
The following tradelines are being reported on my credit reports even though I never applied for or used these accounts : XXXX XXXXXXXX XXXX XXXX XXXX mortgage/auto loan shown as a real-estate/loan account I do not recognize ; FTC report lists acct # XXXX XXXX fraud start XX/XX/XXXX, approx. {$200000.00} balance : XXXX XXXX credit card # XXXX XXXX XXXX XXXX XXXX  ( closed/charge-off ) * * separate tradeline opened XX/XX/XXXX, balance about {$320.00}, reported as collection/charge-off. Also not mine. 

XXXXXXXX XXXX XXXX XXXXXXXX credit card # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance about {$910.00}, reported as collection/charge-off and unpaid balance reported as a loss. I did not open this account. 

XXXX ( XXXX  XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, charged off and sold, balance about {$50.00} still showing. I never had a XXXX account. 

XXXX  account # XXXXXXXX XXXX XXXX XXXX credit-builder/secured loan opened XX/XX/XXXX, high balance {$1300.00}, later charged off and reported as profit and loss write-off. I did not open or authorize this XXXX account. 

XXXX XXXX XXXX personal loan # XXXXXXXX XXXX XXXX  opened XX/XX/XXXX, high balance {$1200.00}, current balance about {$1300.00} with {$1200.00} past due, reported as collection/charge-off. I never entered this lease or loan. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  opened about XX/XX/XXXX, balance about {$320.00}, reported as seriously past due, in collections, and unpaid balance reported as a loss. I never opened this account. 

XXXX XXXX personal loan # XXXXXXXX XXXX XXXX  high balance about {$1400.00}, current balance about {$960.00}, reported as collection/charge-off with unpaid balance reported as a loss. I did not authorize this loan. 

XXXX XXXX XXXX XXXX XXXX collection account # XXXX listed in my FTC report as a fraudulent account opened by a thief, fraud start XX/XX/XXXX, about {$1100.00}. I never had an account with XXXX. 

Additional fraudulent collections and loans My FTC report and earlier credit reports also show accounts in the names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX ), that I did not open or authorize. These were opened or sold after the original fraud and are still being reported as my debts. 

There is also fraudulent personal information being reported : extra names ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX addresses I did not use ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and employers I never worked for ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ). My FTC report lists these items as fraudulent, along with inquiries such as XXXX XXXX, XXXX XXXX, and Experian Business Credit. 
I have already filed an FTC Identity Theft Report and am sending it and my credit reports to the credit bureaus and to the creditors/collectors. I am asking the CFPB to require the credit bureaus and furnishers to : ( XXXX ) investigate these accounts as identity theft, ( 2 ) permanently delete or block all fraudulent tradelines and incorrect personal information, ( 3 ) stop selling or collecting these debts, and ( 4 ) send me corrected copies of my credit reports.

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