Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account Name : XXXX XXXX XXXX Account Number : XXXX From my observations Between all 3 credit bureaus this account is not even reporting to XXXX XXXX 
Date of last activity is reporting different with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, Date reported is different with Experian reporting XX/XX/XXXX and and XXXX reporting XX/XX/XXXX. 
Last payment is reporting different with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX From my observations Between all XXXX credit bureaus this account is not even reporting to XXXX XXXX 
Date of last activity is reporting different with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, Date reported is different with Experian reporting XX/XX/XXXX and and XXXX reporting XX/XX/XXXX. 
Last payment is reporting different with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, Account Name : XXXX XXXX  Account Number : XXXX From my observations Between all 3 credit bureaus the account number is different XXXX account number XXXX Experian account number XXXX XXXX account number XXXX High Balance reporting different XXXX reporting {$1900.00} , Experian reporting {$0.00} XXXX XXXX reporting {$1300.00} Date of last activity is reporting different with XXXX reporting XX/XX/XXXX Experian reporting blank and XXXX reporting XX/XX/XXXX Date reported is different with XXXX reporting XX/XX/XXXX, Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX Last payment is reporting XXXX reporting XX/XX/XXXX Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, Account Name : GXXXX XXXX XXXXXXXX Account Number : XXXX From my observations Between all 3 credit bureaus this account is not even reporting to XXXX. 
Date of last activity is reporting different with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, Date reported is different with Experian reporting XX/XX/XXXX and and XXXX reporting XX/XX/XXXX. 
Last payment is reporting different with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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