Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Fraudulent Accounts Impact from Data Breach Dear Experian Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX data breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. 



Below are the details of the fraudulent accounts in question : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX acct #. XXXX XXXX XXXX XXXX Acct. # XXXX XXXX Acct. #. XXXX and a host of many fraudulent inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX  XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Variety Store XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Auto XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Hardware Stores XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto XXXX XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XXXX Experian XXXX Sales Financing XXXX Experian Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that these accounts be immediately blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. Failure to resolve this issue within the required time frame will leave me no choice but to consider legal action, including pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This includes claims for violations such as : Defamation of character Negligence in safeguarding identity data Violations of 15 U.S. Code 1681o, 1681n ( b ), 1681c, 1681a ( 4 ) Non-compliance with 15 U.S. Code 1692 ( g ) Failure to meet verification standards outlined in 15 U.S.C. 1681i ( 7 ) This matter is both urgent and time-sensitive, and I appreciate your prompt attention in resolving this dispute. Please confirm the removal of these fraudulent accounts at your earliest convenience in writing. 



Sincerely, XXXX XXXX ssn # 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