Consumer complaint received 2024-11-30 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: OH

Complaint narrative:
Complaint Details What Happened : I am a victim of identity theft, and my Experian credit report contains fraudulent and inaccurate information that is harming my creditworthiness. My situation has been exacerbated by the fact that I was a victim of the XXXX data breach, during which my personal information was exposed. This breach has made me vulnerable to fraudulent activity, which is reflected in my credit file. 

Despite my efforts to resolve these issues, the following discrepancies remain : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Fraudulent auto loan charged off with a balance of {$10000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized Credit Inquiries : The following credit inquiries were made without my knowledge or authorization and are tied to fraudulent activity stemming from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX Incorrect Personal Information : Names : Incorrect names associated with my file include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer Information XXXX Incorrect employers listed : Impact Community Action XXXX XXXX What Should Be Done : Fraudulent Accounts : Remove all fraudulent accounts listed above. 
Block these accounts from being re-reported.

Unauthorized Inquiries : Remove all unauthorized credit inquiries from my credit file. 
Personal Information : Retain only my correct name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Remove all incorrect names, addresses, and employer information. 
Why This Is a Problem : As a victim of the XXXX data breach, my personal information was compromised, making me highly vulnerable to fraudulent activity. 
Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit bureaus must block and remove fraudulent information within four business days after receiving : Notice of identity theft.

Supporting documentation verifying the dispute.

Supporting Laws FCRA ( Fair Credit Reporting Act ) : 15 U.S.C. 1681c-2 ( a ) : Fraudulent accounts must be blocked within four days upon notice of identity theft.

15 U.S.C. 1681b ( c ) : Prohibits unauthorized credit inquiries.

15 U.S.C. 1681i ( a ) : Requires disputes to be investigated and resolved within 30 days. 
FACTA ( Fair and Accurate Credit Transactions Act ) : Victims of identity theft are entitled to block fraudulent information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Credit bureaus are liable for failing to investigate disputes reasonably. 
Attachments FTC Identity Theft Report ( Report ID : XXXX ) Filed with the Federal Trade Commission. 
Proof of Address : Chime account statement showing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Credit Reports with Highlighted Discrepancies : Experian report detailing all fraudulent accounts, inquiries, and personal information errors.

Government ID : Valid government-issued identification. 
XXXX XXXX Confirmation : Proof of my status as a victim of the XXXX breach, further supporting my heightened vulnerability to fraud.

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