Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Breach and FTC Report Basis Explained A massive cyberattack on XXXX XXXX XXXX, a background check data aggregator, resulted in the theft of sensitive information for over XXXX XXXX U.S. residents. This data, including Social Security numbers, names, addresses, phone numbers, and employment history, was published on the dark web by a known XXXX XXXX XXXX XXXXXXXX ). My personal data was among the information stolen and subsequently made available for fraudulent use. 
Following this breach, several unauthorized accounts have appeared on my credit report accounts I did not apply for, authorize, or open. These accounts are clearly the result of identity theft and pose a serious threat to my financial wellbeing, security, and credibility. 

Disputed/Fraudulent Accounts ( List Below ) : XXXX Installment account with account XXXX XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$940.00}. 
XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of $ XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$960.00}. 
XXXX Installment account with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. 
XXXX XXXXnstallment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4100.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4800.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3400.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$32000.00}. 
XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$17000.00}. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00}. 
XXXXXXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$50000.00}. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$790.00}. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$820.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$450.00}. The original creditor is XXXX XXXX. 
Under 15 U.S.C. 1681c ( a ) ( 6 ) of FCRA, TransUnion is legally required to Delete these accounts immediately upon dispute from my consumer credit file because it's from identity theft and can not legally remain on my file. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. Under 15 U.S.C. 1681c ( a ) ( 6 ) of FCRA, TransUnion is legally required to Delete this inquiries immediately upon dispute from my consumer credit file because it's from identity theft and can not legally remain on my file. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), TransUnion is legally required to ensure the accuracy and legitimacy of my consumer information reported and to take immediate action upon notice of identity theft or dispute. 
I have filed a complaint with the Federal Trade Commission regarding this data breach and the fraudulent use of my identity. I have also documented this matter for potential legal proceedings and I am now filing with my State Attorney Generals office.

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