Consumer complaint received 2025-11-23 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: NV

Complaint narrative:
I am filing this identity theft report because XXXX accounts appearing on my credit reportone reported by XXXX XXXX  and XXXX reported by XXXX XXXX XXXX XXXXare fraudulent, unauthorized, and were never opened, used, or agreed to by me. I did not initiate credit with either of these companies, nor did I authorize anyone else to use my personal information to open these accounts. 

The XXXX XXXX  account shows as a collection account with account number XXXX * * * *, connected to an alleged debt that I never incurred. I have never done business with XXXX XXXX, never received prior notice of any debt, and have no relationship with the original creditor. This debt was created using my stolen personal information. 

The XXXX XXXX XXXX XXXX account also appears as a derogatory tradeline. I have never applied for or financed a vehicle or any form of credit with this company. The presence of this loan on my credit report is the result of fraudulent activity and unauthorized use of my identifying information. 

These accounts were added to my report without my knowledge or consent and have caused financial hardship, credit denial, and emotional distress. They violate my rights under FCRA XXXX, XXXX, and XXXX, because the furnishers and credit bureaus failed to properly verify this information and continued reporting it even though it is clearly fraudulent. 

I am requesting that the FTC document this identity theft incident so that XXXX XXXX XXXX XXXX XXXX  XXXX, and all credit bureaus comply with federal law and immediately remove these unauthorized and fraudulent accounts from my reports. 
XXXX. XXXX XXXX  ( Collection Account ) Creditor : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Status : Collection ( fraudulent ) I never opened this account, never received a bill, and have no connection to this debt. 

XXXX. XXXX XXXX XXXX XXXX ( Auto Loan Account ) Creditor : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX Status : Derogatory / Auto Loan ( fraudulent ) I have never financed a vehicle through this company and did not authorize this account. 

FCRA 605A Identity Theft Rights Bureaus must block these accounts when an identity theft report is provided.

FCRA 605C Mandatory XXXX XXXX XXXX After receiving identity theft documentation, the bureaus must block these items within XXXX business days. 

FCRA 611 Reinvestigation Failures Both XXXX XXXX and XXXX XXXX  XXXX continued reporting unverifiable and fraudulent information. 

FCRA 623 Furnisher Violations Furnishers can not report data they know or should know is inaccurate. 

XXXX ( Red Flags Rule ) Failure to detect identity mismatch and fraudulent activity at account origination. 

GLBA & Privacy Act Violations Failure to safeguard consumer identifying information.

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