Consumer complaint received 2025-11-18 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. i filed this FTC identity Theft Affidavit to report FRAUDulent accounts and inquiries are appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and FRAUD. These FRAUDulent accounts are a business credit card account opened at XXXX XXXX under the partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX and also closed too without my consent or knowledge of its existence in the first place, a personal credit card account opened at XXXXXXXX XXXX under the partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX and also closed too without my consent or knowledge of its existence in the first place, a personal credit card account opened at XXXX under the partial Account Number : XXXX, on XX/XX/XXXX. This FRAUDulent inquiry appearing on my XXXX credit report is, XXXX XXXX XXXX XXXX on XX/XX/XXXX. The aforementioned accounts and inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 


i demand that the aforementioned FRAUDulent items be removed from each of my consumer credit reports pursuant to my rights within the FCRA and FDCPA laws. CLEAR MY REPUTATiON THiS iS NOT MY CHASE BUSiNESS. THiS iS NOT MY XXXX XXXX. CORRECTiON UNDER TRANSGRESSiNG OF MY USC AND XXXX XXXX XXXX XXXX RiGHTS. MY HUMAN BEiNG RiGHTS. 


i request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIAN credit reporting agency block all names other than my actual name ; XXXX XXXX XXXX as appearing on my social security card and my drivers license. Remove fraudulent names identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. i request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 


i've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. i do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. i have attached a copy of FTC identity Theft Criminal Complaint # XXXX XX/XX/XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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