Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Fraudulent Information on Credit Report Due to Data Breach Dear CFPB Team, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) regarding fraudulent information on my credit report stemming from the unauthorized exposure of my personal data. Despite my efforts to resolve this issue through the dispute process, these inaccuracies persist, causing financial harm and emotional distress. 

Details of the Problem Data Breach and Identity Theft : My personal information was compromised in a recent data breach, exposing sensitive details such as my Social Security number, address, and financial account information. As a result, fraudulent accounts and unauthorized credit inquiries have appeared on my credit reports. 

Credit Report Errors : Upon reviewing my credit reports from XXXX, Experian, and XXXX, I identified multiple inaccuracies, including : Fraudulent accounts opened without my consent. 
Unauthorized hard inquiries that negatively impact my credit score. 
Failure to Resolve Disputes : Despite submitting disputes to the credit bureaus and providing substantial documentationincluding an Identity Theft Report from the FTC and a police reportthese inaccuracies remain unresolved, in violation of 15 U.S.C. 1681i. 

My Rights Under the FCRA The Fair Credit Reporting Act ensures the following rights, which have not been honored in my case : The right to dispute and have inaccurate information investigated within 30 days. 
The right to have unverifiable or inaccurate information removed from my credit report promptly. 
The right to place a fraud alert and protect my credit profile from further unauthorized activity.

Resolution Requested I respectfully request that the CFPB take the following actions to address my complaint : Immediate Removal : Require the credit bureaus to remove all fraudulent accounts, inquiries, and inaccuracies from my credit reports.

Fraud Prevention Measures : Ensure fraud alerts and a credit freeze are placed on my profile to protect against further misuse.

Enforcement of FCRA Compliance : Mandate that the credit bureaus comply with their obligations under the law by resolving disputes within the legally required timeframe and providing me with a clear resolution report.

Supporting Documentation I have attached the following evidence to substantiate my claim : Identity Theft Report from the Federal Trade Commission ( FTC ).

Police Report documenting the theft of my personal information.

Copies of dispute letters sent to the credit bureaus.

Credit Reports highlighting fraudulent accounts and unauthorized inquiries.

Desired Outcome I seek the immediate removal of all fraudulent and inaccurate information from my credit reports, as this issue has caused significant disruptions to my financial stability and personal well-being. Additionally, I request assurance that my credit profile will be secured against future misuse.

Thank you for your time and assistance in resolving this matter promptly. I look forward to your response and am available for any further clarification or documentation you may require. 

Sincerely, XXXX XXXX

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