Consumer complaint received 2024-11-23 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: MD

Complaint narrative:
I am filing this complaint against Experian, XXXX, and XXXX to notify them of fraudulent accounts, inquiries, and inaccurate information appearing on my consumer report. These accounts and data entries were never authorized by me, and their inclusion has caused significant harm. Pursuant to 15 U.S.C. 1681c-2, consumer reporting agencies are required to delete inaccurate or incomplete information upon notification. I am formally disputing the following : Fraudulent Accounts : XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXXXXXX XXXX Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 

Fraudulent Personal Information : Names : 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 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 inaccuracies, combined with the fraudulent accounts and inquiries, have caused significant mental, financial, and reputational harm. I have filed an identity theft report ( attached ) as well as CFPB complaints regarding the furnishers of these accounts : XXXX XXXXXXXX XXXX XXXX Complaint Number XXXX. 
XXXX XXXX XXXX : Complaint Number XXXX. 

Requested Actions : I formally request the following : Immediate deletion of all fraudulent accounts listed above from my consumer report. 
Correction or deletion of all inaccurate personal information, including names, addresses, phone numbers, employers, and spouse information, to accurately reflect my identity. 
Correction of all late payments associated with these accounts to " paid on time. '' Removal of all fraudulent inquiries associated with these accounts. 
Cease and desist all communication except via mail. 
This reporting activity has already caused emotional distress and financial harm. I request compensation for these damages totaling {$15000.00}, broken down as follows : Emotional distress : {$8000.00} Financial harm : {$5000.00} Statutory damages : {$2000.00} ( estimated at {$1000.00} per error across two errors ). 

If you comply, I will consider this matter resolved and no further action will be taken. If you fail to comply with these demands, I will escalate this matter to federal court and seek higher compensatory damages. All rights reserved without prejudice. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

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