Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am a victim of Identity theft. This is my official statement about the XXXX XXXX XXXX Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Phone : XXXX Email : XXXX please remove all fraudulent accounts and inquiries. XXXX XXXX, XXXX acct, XXXX XXXX, XXXX XXXX, XXXXXXXX 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 Opened by the XXXX XXXX XXXX XXXX  : the company Other Identity Theft Company or Organization : the company Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Social Security Number Date of Birth Names : No Data Supplied Addresses : XXXX XXXX Phone numbers : No Data Supplied Employment Information : No Data Supplied Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fin imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local polic XX/XX/XXXX, XXXX XXXX  XXXX https : //www.identitytheft.gov/confirmation/genericsteps I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

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