Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( XXXX XXXX XXXXXXXX ) requesting that Experian immediately XXXX and permanently remove multiple fraudulent accountsXXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX for {$700.00} ( Collection ) ; XXXX  XXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX for {$550.00} ( Collection ) ; XXXX, XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX for {$1200.00} ( Collection ) ; XXXX  XXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$320.00} ( Collection ) ; XXXX XXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX for {$11000.00} ( Collection ) ; and XXXX XXXX  XXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX  for {$0.00} ( Collection ) that 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 XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXX ) fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collection accounts opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX  for {$700.00}, XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX  for {$550.00}, XXXX on XX/XX/XXXX under account number XXXX XXXX  for {$1200.00}, XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$320.00}, XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX  with a balance of {$11000.00}, and XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX with a balance of {$0.00}. These accounts have resulted in several fraudulent XXXX  inquiries and unauthorized collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items 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 XXXX ( XXXX ) 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 XXXX 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