Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
Dear Experian, I am writing to formally request that certain fraudulent items be blocked from my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have identified hard inquiries and invalid personal information that have been reported as a result of identity theft, and as such, I believe these entries must be removed from my credit file. I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appeal on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent hard inquiries and invalid personal information are as follows : XXXX XXXX acct # XXXX wrong amount reporting as well as account status. Personal information that is invalid is address XXXX XXXX Terrace XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX Telephone numbers XXXX, Hard inquiries are These Credit Acceptance XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Nowcom/north XXXX XX/XX/XXXX, XXXX AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Main XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and invalid personal information appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. As stipulated by FCRA Section XXXX, you are required to block fraudulent information from my credit report within XXXX business days of receiving this request and all necessary documentation. Please confirm in writing that the requested items have been blocked within the required timeframe. If any additional information is required to process this request, please notify me promptly so that I can provide it without delay. I appreciate your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these fraudulent accounts from my credit report. I have attached supporting documentation, including Identity Theft Report that verifies the fraudulent nature of these accounts, as required by the FCRA. Additionally, I have enclosed copies of my government-issued ID, proof of address, and any other documents necessary to validate my claim. In accordance with the FCRA, I respectfully request that you block this fraudulent information from my credit report and notify all relevant parties of the action taken. I understand that you have a limited time frame to process this request and to confirm that the fraudulent information has been blocked. Please confirm the successful completion of this action in writing. Thank you for your prompt attention to this matter. I look forward to your response and the removal of these fraudulent entries from my credit file. 
Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of Government-Issued ID Proof of 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