Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts and inquiries on my credit report that resulted from a recent data breach. As a victim of this breach, I have already reached out to Experian to request the deletion of these accounts and inquiries. However, I am seeking further assistance and intervention from the CFPB to ensure that my credit report is corrected and that I am no longer being adversely affected by these fraudulent activities. 
Specifically, I am requesting the deletion of the following fraudulent accounts and associated hard inquiries. These items appeared on my credit report as a result of unauthorized activity linked to the data breach. I believe these items should be removed under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), which allows for the removal of fraudulent information resulting from a data breach. 

Accounts to Be Deleted : XXXX XXXX  Balance : {$260.00} XXXX  XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} Hard Inquiries to Be Deleted : XXXX Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> I have already requested the deletion of these accounts and inquiries directly from Experian under FCRA Section 605B. However, despite this, I am still experiencing the negative consequences of these fraudulent accounts appearing on my credit report. As a result, I am seeking your assistance in ensuring that Experian properly addresses this issue within the timeframes required by law. 

Please confirm that you have received this complaint and keep me informed of any developments in the investigation. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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