Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am a verified victim of identity theft that is directly linked to multiple, well-documented data breaches in which my personal and financial information was unlawfully accessed and later misused without my authorization. These breaches include incidents involving XXXX, Equifax, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX publicly acknowledged a XXXX XXXX  that had occurred on XX/XX/XXXX, later revised in XX/XX/XXXX, confirming that all three XXXX user accounts were affected. The breach exposed sensitive data including names, email addresses, phone numbers, birth dates, passwords, calendar information, and security questions. On XX/XX/XXXX, Equifax disclosed a significant data breach that took place between XXXX and XX/XX/XXXX, compromising consumer data such as names, addresses, phone numbers, email addresses, and Social Security numbers. In XX/XX/XXXX, XXXX XXXX XXXX revealed that its payment network had been infiltrated by malicious software during XXXX, exposing payment card information for approximately XXXX XXXX consumers. The XXXX XXXX breach, disclosed in XX/XX/XXXX, involved unauthorized access to the companys payment systems from XXXX through XX/XX/XXXX, resulting in the compromise of over XXXX XXXX debit and credit card accounts. Finally, and most recently, in XXXX, XXXX XXXX XXXX ( XXXX ) suffered a major data breach when hackers exploited system vulnerabilities, exposing millions of consumers personal details, including names, Social Security numbers, and financial account data. 
Given the scope and magnitude of these incidents, I have substantial reason to believe that my personal information was included among the compromised data and has since been used to open unauthorized credit accounts and generate fraudulent inquiries without my consent. Any accounts or inquiries associated with these breaches are unauthorized, and their continued appearance on my credit reports constitutes a violation of federal law under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

These fraudulent accounts consist of a personal credit card at XXXX XXXX XXXX XXXXXXXX, a personal credit card at XXXX XXXX XXXX XXXXXXXX, a personal credit card at XXXXXXXX XXXX XXXX on XXXX, a personal credit card at XXXX XXXX on XXXX, a personal credit card at XXXX XXXX XXXX on XXXX, a personal credit card at XXXX XXXXXXXX XXXX  on XXXX, XXXX personal credit card at XXXX XXXX XXXX on XXXX, a personal credit card at XXXX XXXX XXXX on XXXX, a personal auto account at XXXX XXXX XXXXXXXX on XXXX, a medical account at XXXX XXXX XXXX on XXXX and hard inquiries with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, with XXXX XXXX on XXXX, with XXXX XXXX XXXX on XXXX, with XXXX XXXX on XXXX, with 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 

These accounts have resulted in several fraudulent collections, charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws and to also prohibit said fraudulent accounts and hard inquiry from appearing on any of my consumer credit reports in the future. Due to the current Government-Shutdown I was unable to file, submit and attach a copy of FTC Identity Theft Criminal Complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud ; However, I did file an Identity Theft report with my local police department

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