Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
This CFPB comolaint has. been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX, 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. This fraudulent, inaccurate, and false information consists of a personal account ( s ) : opened at XXXX XXXX. Account XXXX. XXXX. Date Opened XX/XX/XXXX -- XXXX Account XXXX No. XXXX Date Opened XX/XX/XXXX -- - XXXX XXXX Account XXXX. XXXX Date Opened XX/XX/XXXX -- - XXXX XXXX XXXX Account No. XXXX Date. Opened XX/XX/XXXX -XXXX XXXX XXXX XXXX Account No. XXXX Opened Date XX/XX/XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX Account No. XXXX Date Opened 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am 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 name or address, which is : My Legal Name : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX, XXXX, MI XXXX The following addresses are not associated with me. 
XX/XX/XXXX FORMER XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX FORMER GENERAL DELIVERY, XXXX, MI XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX, XXXX, MI XXXX I request that you investigate this matter and remove all incorrect or duplicate variations of my name and address from my credit file. To assist your investigation, I have included the following documents : A copy of my government-issued ID showing my correct legal name and address. 


I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency XXXX XXXX, and Experian block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email at : XXXX Furthermore, 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 name or address. I demand that be corrected.

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