Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Identity Theft, Unauthorized Credit Inquiries, and Fraudulent Collections Filed by : XXXX XXXX XXXX. 
Phone : ( XXXX ) XXXX Email : XXXX / XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX/ XXXX XXXX XXXX, XXXX, GA XXXX Date : XX/XX/XXXX -- - Nature of Complaint : I, XXXX XXXX XXXX, am the victim of identity theft and financial fraud. My personally identifiable information ( PII ) was misused by an unauthorized credit repair agency. I paid {$2000.00} and never received access credentials or services. My identity was subsequently stolen and used to apply for unauthorized lines of credit, which I did not request, initiate, or approve. 

This activity has severely damaged my credit standing, disrupted my business operations at XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and created ongoing financial hardship. 

Attached are my FTC Identity Theft Report, government-issued identification ( front and back ), and Social Security XXXX XXXX front and back ). 


-- - 1. Unauthorized Hard Credit Inquiries ( 14 total ) : Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose and with consumer consent. I never gave consent to any of the following inquiries, all of which were initiated fraudulently : Entity Inquiry Date Category Contact 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 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 XXXXXXXX These inquiries were unauthorized, harmful, and done without my knowledge or lawful consent. 


-- - 2. Fraudulent Collection Accounts : I also dispute the following collections, which are the result of fraudulent accounts opened without my authorization : aXXXX XXXX XXXX XXXX XXXX XXXX. 

Reported : XX/XX/XXXX Balance : {$650.00} Original Creditor : XXXX XXXX Bank, XXXX. 

Opened : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX I never had any business with XXXX XXXXXXXX XXXX and this debt is entirely fraudulent. 


-- - b. XXXXXXXX XXXX  XXXX XXXX XXXX. 

Reported : XX/XX/XXXX Balance : {$180.00} Original Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CT XXXX Phone : ( XXXX ) XXXX I had no services with XXXX and never authorized this collection. 


-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reported : XX/XX/XXXX Balance : {$230.00} Original Creditor XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX I have no utility accounts with Georgia Power for that time frame or location. This account was opened with stolen information.

-- - 3. Legal Basis for Dispute and Relief Requested : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA 1681b : Inquiries were made without permissible purpose.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputed info and remove unverifiable or inaccurate entries.

FDCPA 809 : Collectors must provide validation of debt upon request.

-- - Requested Actions : 1. Immediate removal of all unauthorized credit inquiries from all CRAs.

2. Permanent deletion of all fraudulent collection accounts listed above.

3. Investigation into any associated criminal activity or systemic abuse by credit repair entities.

4. Provide written confirmation of deletion and results of the investigations.

5. Guidance on any additional federal protections I may invoke to secure my identity and restore my credit file.

-- - Attachments Provided : FTC Identity Theft Report Government-Issued ID ( front & back ) Social Security Card ( front & back ) -- - Respectfully submitted, XXXX XXXX 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