Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian 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 the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$2400.00}, reported as Collection/Charge-off. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$600.00}, reported as Collection/Charge-off. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$570.00}, reported as Collection/Charge-off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$1100.00}, reported as Collection/Charge-off. 

XXXX XXXXXXXX XXXX XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$2400.00}, reported as Collection/Charge-off. 

XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$570.00}, reported as Charge-off. 

Impact XXXX XXXX ( XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$2600.00}, reported as Collection/Disputed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$1500.00}, reported as Collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance {$6500.00}, reported as Collection/Disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, reported as Open / Listed as Disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, reported as Closed / Paid ( Previously Late ). 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, reported as Closed / Paid ( Previously Late ). 

The following fraudulent hard inquiries also appear on my report and were not authorized by me : XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, the following fraudulent addresses must be blocked and removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX I do not recognize the aforementioned accounts, collections, inquiries, and addresses as reported. These are the result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Criminal Complaint ( XXXX ) as proof that all of the aforementioned accounts, collections, inquiries, and addresses are fraudulent

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