Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date of Birth ) XX/XX/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 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

11. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 

12. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX Account Number : XXXX Please remove it from my credit report. 

13. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

14. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

19. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

20. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

21. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC Number ) XXXX 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