Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and multiple fraudulent accounts and unauthorized hard inquiries are appearing on my credit reports with TransUnion, Experian, and Equifax. I did not open, authorize, or have any knowledge of the following accounts or credit applications. These items are damaging my credit and causing financial harm. 
I am requesting the CFPBs assistance to require the credit bureaus and the reporting furnishers to investigate and permanently remove these fraudulent accounts and inquiries under FCRA 602A, 605B, and 611. 
FRAUDULENT ACCOUNTS REPORTED IN MY NAME XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I never lived at this property and never opened this account or owed this debt. 
XXXX. XXXX XXXX XXXX Account # : XXXX Status : Charged Off Date Opened : XX/XX/XXXX Charge-off activity reported between XXXX I have never financed a vehicle or opened an account with XXXX XXXX XXXX This account is fraudulent. 
XXXX. XXXX XXXX XXXX Account # : XXXX Balance : {$620.00} Status : Charged Off Last Reported : XX/XX/XXXX I did not apply for or open any XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX Account # : XXXX Balance : {$580.00} Status : Charged Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I have not opened any utility account with XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$3800.00} Status : Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I never opened a XXXX XXXX XXXX XXXX related credit product, and this debt is fraudulent. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$650.00} Status : Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX I did not open any XXXX XXXX XXXX account and did not authorize this debt. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$6200.00} Status : Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account is tied to XXXX XXXX, which is also fraudulent. I did not open it. 
XXXX. Multiple Dept. of EducationXXXX Student Loan Accounts ( All accounts beginning with XXXX ) These accounts show past-due activity XXXX XXXX XXXX  ), but I did not open any student loans with the XXXX XXXX XXXX XXXX XXXX XXXX 
These are fraudulent accounts. 
UNAUTHORIZED HARD INQUIRIES I also discovered numerous hard inquiries that I did not authorize. These were made without my consent and are evidence of identity theft. 
TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX not authorize any of these credit applications.

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