Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB comolaint has. been filed to request concerning FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax, and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report.

I am writing to report and formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. The following account ( s ) are being reported incorrectly as I did not authorize nor do I recognize these accounts. Therefore, they must be deleted immediately : Collection : Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, Transunion XXXX XXXX ADJUST - Debt Buyer Account Number XXXX Date opened XX/XX/XXXX Equifax, Transunion, Experian Closed Accounts. 

Account name XXXX XXXX - Credit card Account number XXXX date opened XX/XX/XXXX Equifax, Transunion, Experian XXXX XXXX XXXX - XXXX Loan Account number XXXX Date Opened XX/XX/XXXX Equifax, Transunion, Experian Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, Transunion, Experian Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you ; were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Legal Basis for Immediate Removal : 1. 15 U.S.C. 1692c If this account was placed by a debt collector, I invoke my right to cease communication. Any continued reporting violates my consumer rights.

2. 15 U.S.C. 1681i Under the FCRA, the burden of proof is on the furnisher of information. If you can not verify this account within 72 hours, it must be deleted.

3. 15 U.S.C. 1681g I request all records used to verify this debt, including the original signed contract with my wet-ink signature. If such proof can not be provided, this account must be removed. 

-- I am also writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected. 

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true address, which is : Address : XXXX XXXX XXXX XXXX XXXX XXXX This will be attached to the photo ID I will upload. 

Addresses Not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I previously submitted a dispute, along with an official letter from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting that you provide : 1. A detailed description of your method of verification, including the name and contact information of the entity that provided this information.

2. Proof that you obtained this bankruptcy information from a verifiable and accurate source, rather than an unverified third-party database.

3. Immediate removal of this bankruptcy if you can not provide documented proof that it was directly verified with the court.

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