Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Identity Theft, Fraudulent Accounts, Unauthorized Credit Reporting, and Violations of the Fair Credit Reporting Act ( FCRA ) Complaint Against : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : I am a victim of identity theft and phishing, which resulted in my personal and financial information being compromised due to multiple data breaches. As a result, my credit accounts were taken over and misused by unauthorized individuals. These fraudulent activities have led to several fraudulent accounts, unauthorized inquiries, and inaccurate negative information appearing on my credit reports. 

Despite my formal disputes submitted to the credit bureaus and the original creditors, these entities failed to conduct a proper investigation and continued reporting fraudulent information, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Additionally, the creditors and data furnishers failed to properly authenticate the activity that was performed on my accounts, leading to unauthorized charges, charge-offs, and collections that do not belong to me. 

Fraudulent Accounts & Collections Reported on XXXX XXXX XXXX XXXX. Fraudulent Collection Accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX  On Record Until : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$370.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$620.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX XXXX. Fraudulent Charged-Off Accounts : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$0.00} ( Charged off, {$620.00} written off ) Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : Paid, Closed, {$220.00} written off Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$500.00} ( Charged off, {$500.00} written off ) Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$610.00} ( Charged off, {$610.00} written off ) Date Opened : XX/XX/XXXXXXXX  On Record Until : XX/XX/XXXXXXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$4800.00} ( Collection account ) Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Fraudulent Hard Inquiries on My Credit Report ( Experian Unauthorized Credit Pulls by Creditors Without My Consent ) XXXX Inquired on 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 XXXXXX/XX/XXXX Laws Violated by the Credit Bureaus and Creditors : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) Requires fraudulent accounts and inquiries to be removed within four ( 4 ) business days after sufficient proof is provided.

2. FCRA ( 15 U.S.C. 1681b ) Prohibits consumer reporting agencies from including accounts or inquiries that lack a permissible purpose.

3. FCRA ( 15 U.S.C. 1681s-2 ) Holds creditors and furnishers legally responsible for reporting accurate information and conducting thorough investigations.

4. California Penal Code 530.5 Defines identity theft as a criminal offense and prohibits the unauthorized use of personal and financial information.

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