Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information, Place Fraud Alert, and Address Inconsistencies on Credit Report Dear Credit Reporting Agency, I am writing to formally request the immediate blocking of fraudulent information from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ), and to place a fraud alert on my file. I have recently become a victim of identity theft, and as a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize or participate in. 

These fraudulent accounts and activities appear to have been initiated using my personal information, and the details listed below are not associated with any legitimate transactions I have authorized. I have always paid for goods and services in cash, and I was shocked to learn of these fraudulent activities after a recent credit review. Although I previously hired a credit repair company to assist with this matter, I believe their services were not adequate. I am now taking the necessary steps to resolve this issue independently. 

I request that you delete all fraudulent items from my credit report until a full investigation has been completed. The impact of these fraudulent items on my credit is severe, and I am unable to perform even basic transactions due to the inaccurate reporting. Enclosed are copies of my identity verification documents ( such as my Social Security card and government-issued ID ) to confirm my identity. 

I am also requesting a fraud alert be placed on my file to notify potential creditors of the risk of identity theft. This will provide added protection while my case is under review. 

Below are the details of the discrepancies and fraudulent activities on my credit report : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns of potential identity theft and unauthorized access to my information. 
Payment Status Inconsistencies : I have noted that the payment status varies across different credit bureaus. Such discrepancies in payment status could be indicative of fraudulent activity or errors made by the reporting agencies. 
Address Variations : The addresses listed across the bureaus do not match, which further suggests that unauthorized individuals may be using my information at different, unknown locations. 
Employer Information Issues : I have observed that the employer section in my reports is inconsistent across the bureaus. This raises suspicion that fraudulent attempts may be made to associate my identity with accounts that I have not authorized. 
Unauthorized Accounts : Some accounts appear on my credit report without my consent, indicating possible fraudulent activity. 
Enclosed Documentation : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) on XX/XX/year>. FTC Report Numbers : XXXX, XXXX, XXXX, XXXX. 
A copy of my government-issued ID and proof of address to verify my identity and current residence. 
A law enforcement report documenting the identity theft case ( Report Number : XXXX ). 
A signed statement confirming that the information listed above does not pertain to any transactions I authorized or participated in.

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