Consumer complaint received 2024-11-22 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:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX on XXXX XXXX under the account number # XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XXXX XXXX with a balance of {$370.00} that appears related to the aforementioned telephone company. 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 as reported. The aforementioned accounts, collections, and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing the FTC theft to report XXXX separate fraudulent accounts, appearing on my consumer file report, which are the results of identity, theft and fraud. These fraudulent accounts consist of rental apartments open between the years of XXXX THROUGH XXXX Including collections accounts XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I Demand the aforementioned fraudulent items be removed from each of my consumer credit report and that all collection activities related to said items cease pursuant to my rights with the FCRA and FDCPA Law.

Credit Card Opened by the Thief Company or Organization : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  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.

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