Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB comolaint has. been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX, and Experian 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 believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX ACCOUNT NO. XXXX DATE OPENED XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NO. XXXX OPENED DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  - ACCOUNT NO. XXXX DATE OPENED XX/XX/XXXXXXXX XXXX - ACCOUNT NO. XXXX DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX - ACCOUNT NO. XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX - ACCOUNT NO. XXXX - DATE OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX - ACCOUNT NO. XXXX DATE OPENED XX/XX/XXXX XXXX  - ACCOUNT NO. XXXX - DATE OPENED XXXX. XXXX. XXXX XXXX XXXX XXXX - ACCOUNT NO. XXXX. DATE OPENED XX/XX/XXXX XXXX BANK - ACCOUNT. NO. XXXX DATE OPENED XXXX. XXXX XXXX XXXX XXXX XXXX - ACCOUNT NO. XXXX DATE OPENED XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected. 

Additionally, per the Fair Credit Reporting Act, XXXX XXXX ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true name or address, which is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The following addresses are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Apartment complex -- - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Address ID # XXXX Single family -- - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ID # XXXX Apartment complex -- - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ID # XXXX Post office box -- - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ID XXXX XXXX Single family -- - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Address ID XXXX XXXX Single family -- - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Address ID # XXXX XXXX family -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Address ID # XXXX Multifamily -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ID # XXXX Apartment complex -- - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family I request that you investigate this matter and remove all incorrect or duplicate variations of my name and address from my credit file. To assist your investigation, I have included the following documents : A copy of my government-issued ID showing my correct legal name and address.

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