Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with fraudulent accounts on my credit report. These fraudulent entries are a direct result of a data breach, and despite my numerous attempts to resolve the issue, Experian has completely failed to properly investigate or remove these fraudulent accounts and inquiries. The following accounts do not belong to me and are clearly the result of fraudulent activity stemming from the data breach. It is utterly unacceptable that, after multiple attempts to resolve this issue with Experian, I am still facing this unresolved mess on my credit report. Fraudulent Accounts in Question : XXXXXXXX XXXX XXXX Issue : This account is fraudulent. It was opened without my consent or knowledge, and I have already provided Experian with documentation that proves the account is not mine. Despite this, Experian has failed to take actionXXXX XXXX XXXXXXXX Issue : Another fraudulent account that should never have been reported under my name. Ive submitted supporting documents proving I had no involvement with this account, yet Experian continues to ignore my rightful claims. XXXX XXXX XXXX XXXX ) Issue : Fraudulent activity under this account has led to false reporting, which Experian has been fully aware of for months but continues to mishandle. XXXXXXXX XXXX XXXX XXXX ) Issue : This account is a fraudulent entry stemming from the data breach. Experian has failed to investigate this properly despite me submitting clear evidence to support my claim of fraud. Let me be crystal clear : Experian 's failure to properly investigate and remove these fraudulent entries is absolutely unacceptable. I have reached out to Experian multiple times and submitted all necessary documentation, including my fraud report, evidence of identity theft, and supporting bank statements. Despite this, Experian has continuously failed to act in good faith, choosing to ignore my claims and keep these fraudulent items on my credit report. This is NOT just a simple mistake. This is a violation of my rights as a consumer and an appalling display of negligence. Their lack of action is damaging my credit, and it is unacceptable that I am being forced to deal with the consequences of someone else 's criminal activity. Desired Resolution : I demand that Experian : Immediately remove all fraudulent accounts related to the data breach. Thoroughly investigate each fraudulent entry and update my credit report to reflect accurate, truthful information. Provide me with written confirmation that these items have been removed and my credit report has been corrected. Report this investigation to the other credit bureaus ( XXXX and XXXX ) so they can update my credit files accordingly. If Experian refuses to take appropriate action, I will take further steps to escalate this issue to the appropriate authorities, including but not limited to seeking legal recourse and filing a complaint with the Federal Trade Commission. I expect this matter to be resolved IMMEDIATELY. Thank you for your attention to this urgent and extremely important matter. I demand a prompt response and resolution. Failure to address these fraudulent activities properly will only lead to further escalation on my part. Sincerely, XXXX 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