Consumer complaint received 2025-07-11 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: NH

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, including the following : a XXXX credit card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a {$0.00} balance ; a XXXX XXXX XXXX credit card ( XXXXXXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a {$50.00} balance ; an XXXXXXXX XXXX XXXXXXXX auto loan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$16000.00} ; a XXXX XXXX XXXX collection account ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$2900.00} ; an XXXX XXXX XXXX collection account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$110.00} ; a XXXX XXXX  collection account ( XXXXXXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$1700.00} ; an XXXX secured loan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$530.00} ; and a XXXX auto loan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$20000.00} XXXX XXXX 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 XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach.I am filing this FTC Identity Theft Affidavit to report 8 fraudulent account ( s ) on my consumer FICO Experian credit report, which I do not recognize and which are the result of identity theft and fraud. These include a credit card from XXXX ( XX/XX/XXXX, {$0.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a credit card from XXXX XXXX XXXXXXXX ( XX/XX/XXXX, {$50.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ), auto loans from XXXX XXXX  XXXX ( XX/XX/XXXX, {$16000.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX  ( XX/XX/XXXX, {$20000.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a secured loan from XXXX ( XX/XX/XXXX, {$530.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and collections from XXXX XXXX XXXX ( XX/XX/XXXX, {$2900.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( XX/XX/XXXX, {$110.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX  ( XX/XX/XXXX, {$1700.00}, Acct : XXXXXXXX XXXX XXXX  ). I request the removal of these fraudulent items and cessation of all related collection activity per FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) 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