Consumer complaint received 2025-07-11 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: AZ

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that Experian immediately block and permanently remove multiple fraudulent accountsspecifically : a collection account reported by XXXX on XX/XX/XXXX under account number XXXX * * * * with a balance of {$4000.00} ; a collection account reported by SXXXX XXXX on XX/XX/XXXX under account number XXXX * * with a balance of {$1700.00} ; a collection account reported by XXXX XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * * * with a balance of {$3800.00} ; a collection account reported by XXXX/NC on XX/XX/XXXX under account number XXXX * * * * * * * * * with a balance of {$0.00} ; a collection account reported by XXXX XXXX XXXX on XX/XX/XXXX XXXX account number XXXX * * * * * * * * * with a balance of {$1000.00} ; another reported by XXXX XXXX XXXX on XX/XX/XXXX XXXX account number XXXX * * * * * * * * * * with a balance of {$2100.00} ; a collection account reported by XXXX  on XX/XX/XXXX under account number XXXX * * * with a balance of {$21000.00} ; a collection account reported by XXXX XXXX on XX/XX/XXXX under account number XXXX * * * * * with a balance of {$13000.00} ; a collection account reported by XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * * * * * * * with a balance of {$160.00} ; and a collection account reported by XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * * * with a balance of $ XXXX were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize and believe are the result of identity theft and fraud. These fraudulent accounts consist of : ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * with a balance of {$580.00}, ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * * * * * with a balance of {$160.00}, ( XXXX ) an auto loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX * * * with a balance of {$13000.00}, ( XXXX ) an auto loan account opened at XXXX on XX/XX/XXXX under account number XXXX * with a balance of {$21000.00}, ( XXXX ) a collection account reported by XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX account number XXXX * * * * * * * * with a balance of {$1800.00}, ( XXXX ) a collection account reported by XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX account number XXXX * * * * * * * * with a balance of {$2100.00}, ( XXXX ) a collection account reported by XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX account number XXXX * * * * * * * * with a balance of {$1000.00}, ( XXXX ) a credit card account opened at XXXX/NC on XX/XX/XXXX under account number XXXX * * * * * * * * with a balance of {$0.00}, ( XXXX ) a collection account reported by XXXX  XXXX opened on XX/XX/XXXX under account number XXXX * * * * * * * * with a balance of {$3800.00}, ( XXXX ) a collection account reported by XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1700.00}, and ( XXXX ) a collection account reported by XXXX opened on XX/XX/XXXX under account number XXXX * * * * with a reported balance of {$4000.00}. These accounts have resulted in fraudulent hard inquiries, unauthorized reporting, and damaging collection entries on my credit file. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease immediately, in accordance with my rights under the Fair Credit Reporting Act ( XXXX  ) and the Fair Debt Collection Practices Act ( XXXX  ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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