Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last 4 : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : merchants acceptance c Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$990.00}, XXXX, XXXX XXXX XXXX Account XXXX XXXX * * date opened XX/XX/XXXX bal. {$660.00}. inquiries : XXXX 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 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 ) 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. 

I am writing to formally dispute inaccuracies on my credit report that have resulted from a data breach, as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA, I am requesting a thorough investigation into the items listed below.

I believe that the following information on my credit report is inaccurate due to unauthorized access : Due to the recent data breach affecting my personal information, I am concerned that my credit report may contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft, and I would like to assert this right.

I kindly request that you conduct a comprehensive investigation in accordance with Section 611 of the FCRA, which mandates that you must investigate my dispute within 30 days. Additionally, I expect to receive written verification of the findings of your investigation and, if applicable, an updated copy of my credit report. 

Enclosed are copies of my identification, proof of residence, and any other supporting documentation demonstrating my claim. I have also included a copy of my credit report for your review. 

Please address this matter with the urgency it requires, as the inaccuracies on my credit report could significantly impact my financial health. Should you require any additional information or documentation, do not hesitate to reach out to me at the contact details provided above. 

Thank you for your prompt attention to this matter.

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