Consumer complaint received 2025-07-15 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: FL

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 accounts, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$30000.00}, a XXXX XXXX collection account ( XXXX ) reported on XX/XX/XXXX with a balance of {$1600.00}, a XXXX XXXX XXXX account ( XXXX ) reported on XX/XX/XXXX with a balance of {$2900.00}, a XXXX XXXX XXXX account XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$240.00}, a XXXX XXXX XXXXXXXX XXXX collection account ( XXXX ) reported on XX/XX/XXXX with a balance of {$470.00}, a XXXXXXXX XXXX XXXXXXXX XXXX collection account ( XXXX ) reported on XX/XX/XXXX with a balance of {$150.00}, an XXXX XXXX XXXX XXXX account ( XXXX ) reported on XX/XX/XXXX with a balance of {$180.00}, and a XXXX XXXX collection account ( XXXX ) reported 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 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 XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize and which are the result of identity theft and fraud. These include a credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Acct : XXXX, {$30000.00} ) and seven collection accounts : XXXX XXXX ( XX/XX/XXXX, {$1600.00}, Acct : XXXX ), XXXX XXXX ( XX/XX/XXXX, {$2900.00}, Acct : XXXX )XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, {$240.00}, Acct : XXXX ), XXXX XXXX XXXX IN ( XX/XX/XXXX, {$470.00}, Acct : XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX, {$150.00}, Acct : XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, {$180.00}, Acct : XXXX ), and XXXX XXXX ( XX/XX/XXXX, {$1200.00}, Acct : XXXX ). I did not authorize or open any of these accounts, and they have resulted in fraudulent hard inquiries and negative reporting. I demand that these items be immediately and permanently removed from all of my consumer credit reports and that all related collection activity cease, pursuant to my rights under the FCRA and 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