Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accountsspecifically, credit card and collection accounts including : ( 1 ) XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1100.00} ; ( 2 ) XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00} ; ( 3 ) XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1100.00} ; ( 4 ) XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00} ; ( 5 ) XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$890.00} ; ( 6 ) another XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1400.00} ; ( 7 ) XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00} ; ( 8 ) XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1600.00} ; ( 9  ) XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1100.00} ; ( 10 ) XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1200.00} ; ( 11 ) XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$390.00} ; ( 12 ) another XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1100.00} ; ( 13 ) XXXX XXXX XXXX collection account number XXXXXXXX XXXX XXXX XXXX XXXX , opened on XX/XX/XXXX with a balance of {$1000.00} ; ( 14 ) XXXX XXXX XXXX collection account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1900.00} ; ( 15 ) another XXXX XXXX XXXX collection account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1700.00} ; ( 16 ) XXXX  collection account number XXXXXXXX XXXX, opened on XX/XX/XXXX with a balance of {$2300.00} ; and ( 17 ) XXXX XXXX  collection account number XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of $ XXXXthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of : ( 1 ) a credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1100.00}, ( 2 ) a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, ( 3 ) a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, ( 4 ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, ( 5 ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$890.00}, ( 6 ) another XXXX XXXX credit card account opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00}, ( 7 ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, ( 8 ) a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1600.00}, ( 9 ) a credit card account opened at XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, ( 10 ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1200.00}, ( 11 ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$390.00}, ( 12 ) another XXXX credit card account opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, ( 13 ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, ( 14 ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * with a balance of {$1900.00}, ( 15 ) a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1700.00}, ( 16 ) a collection account opened at XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX with a balance of {$2300.00}, and ( 17 ) a collection account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX XXXX with a balance of {$1600.00}. These accounts were fraudulently opened without my knowledge or authorization and have resulted in unauthorized hard inquiries, negative entries, and collection activity that do not belong on my credit report. I demand that these fraudulent items be permanently removed from all of my consumer credit reports and that all related collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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