Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. I am submitting this statement as part of my FTC Identity Theft Affidavit to formally report multiple fraudulent items on my Experian credit report, which I did not authorize and believe are the result of identity theft. 

Specifically, I have identified XXXX fraudulent accounts opened without my knowledge or consent, including the approximate balances associated with each : A credit card account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$490.00} ( Account Number : XXXX ) A credit card account with XXXX XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$520.00} ( Account Number : XXXX ) A secured credit card account with XXXX XXXX  XXXX, opened on XX/XX/XXXX, with a balance of {$120.00} ( Account Number : XXXX ) A credit card account with Resurgent Receivables LLC, opened on XX/XX/XXXX, with a balance of {$1000.00} ( Account Number : XXXX ) Additionally, there is XXXX fraudulent or unrecognized address listed on my report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( First reported on XX/XX/XXXX ) I have also discovered XXXX incorrect variations of my name appearing on the report, which do not accurately reflect my legal name, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fraudulent phone numbers are associated with my report : ( XXXX ) XXXX ( XXXX ) XXXX Lastly, there is a fraudulent hard inquiry from XXXX dated XX/XX/XXXX, which I did not authorize. 

I did not open, authorize, or otherwise permit these accounts, addresses, name variations, phone numbers, or inquiries. I am requesting that Experian block these fraudulent items in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, and remove them from my credit report. 

I do not authorize any disputes or corrections other than the blocking of these specific fraudulent items. 

Please process this request within the timeframe required by law and provide me with written confirmation once the blocks have been completed. 

Thank you for your prompt attention to this matter. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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