Consumer complaint received 2024-11-05 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: MS

Complaint narrative:
I am writing to formally notify XXXX, Experian, and XXXX, of my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), as well as 15 USC 1681i , as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via E-Oscar ; I request that you block, remove, and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below. 

EXPERIAN reporting FRAUDULENT & INACCURATE on my credit report XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$550.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX  Open/closed Closed Date opened XXXX XXXX, XXXX Account type Lease Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Original balance {$1300.00} Monthly payment - Last payment date XX/XX/XXXX EXPERIAN TN CHILD SUPPORT 2 POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$69000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Child Support Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PAYMENT HISTORY LEGEND Status Collection account. {$17000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$17000.00} Original balance - Monthly payment EXPERIAN TN CHILD SUPPORT 2 POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$75000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Child Support Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PAYMENT HISTORY LEGEND Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1100.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX EXPERIAN COUNTY  OF  XXXX XXXXXXXX 4 LATE PAYMENTS Balance details Paid off- Balance - Balance updated - Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support Payment summary XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XXXX XXXX Original balance - Monthly payment - Last payment date XX/XX/XXXX XXXX Reporting FRAUDULENT & INACCURATE on my credit report : TENNESSEE XXXX. OF H 9 POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$84000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance - Monthly payment {$550.00} XXXX TENNESSEE DEPT. OF H 7 POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$75000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$850.00} Original balance - Monthly payment {$280.00} XXXX COUNTY OF XXXX XXXX 42 LATE PAYMENTS Balance details Paid off - Balance {$0.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary 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 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 XXXX PAYMENT HISTORY LEGEND Status Not more than two payments past due Status updated XX/XX/XXXX Past due amount - Original balance - Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$550.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX  Open/closed Closed Date opened XXXX XXXX XXXX XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO CO XXXX XXXX XXXX XXXX CO CO XXXX XXXX XXXX XXXX CO CO XXXX XXXX XXXX XXXX CO CO XXXX XXXX XXXX CO CO XXXX XXXX XXXX CO CO XXXX XXXX XXXX CO CO - - XXXX CO CO XXXX - XXXX CO CO XXXX XXXX XXXX CO XXXX - - XXXX - CO XXXX - - XXXX - CO CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$1200.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX XXXX reporting FRAUDULENT & INACCURATE on my credit report FAMILY LA CO 42 LATE PAYMENTS Balance details Paid off - Balance - Balance updated XX/XX/XXXX Original balance {$0.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status 30 days past due Status updated XX/XX/XXXX Past due amount - Original balance $ 0 Monthly payment - Last payment date Here listed below are the fraudulent inquiries that also need to be removed, blocked and deleted from my credit report : XXXX XXXX XXXX Important dates Inquiry dateXXXXXXXX XXXX, XXXX Removal dateXXXX XXXXXXXX Additional details Business typeFinance Companies - non specific XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business typeXXXX XXXX XXXX XXXX 
Contact info Address XXXX XXXX XXXX XXXX, SDXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Important dates Inquiry dateJun XXXX, XXXX Removal dateXXXX  XXXX Additional details Business typeXXXX XXXX 
Contact info Address XXXX XXXX XXXX, TNXXXX Phone number ( XXXX ) XXXX XXXX XXXX  Important dates Inquiry dateOct XXXX, XXXX Removal dateXXXX XXXX Additional details Business typeXXXX XXXX  Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Important dates Inquiry dateSep XXXX, XXXX Removal dateXXXX  XXXX Additional details Business typeXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone numberBy mail only XXXX XXXX  Important dates Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX  XXXX Additional details Business typeXXXX XXXXs Contact info Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business typeXXXX XXXXs Contact info Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone numberBy mail only XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business typeMortgage Companies Contact info Address XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

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