Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
My name is XXXX XXXX, and I have recently become a victim of identity theft following a major data breach, as reported by XXXX XXXX on XX/XX/XXXX. This breach exposed sensitive personal information, including Social Security numbers, leading to a significant and unauthorized impact on my credit profile. 

Upon reviewing my credit reports from XXXX, Experian, and XXXX, I discovered multiple unauthorized credit inquiries and the opening of a business account that I did not consent to. These unauthorized activities began appearing on my credit report as early as XX/XX/XXXX, and have persisted throughout XXXX. Specific entities such as XXXX XXXX, XXXX XXXX, XXXX, XXXX, and several others have made hard inquiries or opened accounts in my name without my authorization. 

The most egregious of these unauthorized actions includes a business line of credit opened under my name with XXXX, bearing the account number XXXX. This account was reported as opened on XX/XX/XXXX, with a high balance of {$650.00} and was subsequently charged off as bad debt by XX/XX/XXXX. This has not only misrepresented my financial behavior but also adversely affected my XXXX XXXX and overall creditworthiness. 

I have never authorized these inquiries or the opening of this account, and I assert that their existence on my credit report is a direct result of the data breach. This situation has placed an undue burden on my personal finances and XXXX XXXX, as I navigate the complexities of restoring my good name and credit standing. 

I am in the process of disputing these inaccuracies with the respective credit bureaus and have alerted them to these breaches of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have also informed them that should these discrepancies not be resolved within the legal timeframe of 30 days, I am prepared to take legal action to protect my rights and recover my credit integrity. 



In XX/XX/XXXX, following a major data breach reported on XX/XX/XXXX, which involved the compromise of sensitive personal data including Social Security numbers, my credit profile was adversely affected. Several unauthorized credit inquiries and the opening of a business account were made without my consent. 

Key Events : XX/XX/XXXX : An unauthorized business line of credit was opened, later charged off as bad debt on XX/XX/XXXX, with a high balance reported as {$650.00}. 
Throughout XXXX and XXXX : Multiple hard inquiries were made by various financial institutions and companies, including but not limited to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. These actions were unauthorized and have significantly impacted my XXXX XXXX and standing. 

Actions Taken : I have initiated disputes with all XXXX XXXX  credit bureausXXXX Experian, and XXXX rectify the unauthorized inquiries and account openings recorded on my credit report. 
I have clearly informed the credit bureaus that if the discrepancies are not resolved within 30 days, legal action will be considered to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

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 non-monetary relief