Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
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. 

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 5 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EXPERIAN CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH ARE THE RESULT OF IDENTITY THEFT AND FRAUD. THESE FRAUDULENT ACCOUNTS CONSIST OF A FINANCE ACCOUNT OPENED AT XXXX XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A CREDIT CARD OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A CREDIT CARD OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AND AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO 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. 

I AM ALSO FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT TWO ADDITIONAL FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EXPERIAN CREDIT REPORT WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH ARE THE RESULT OF IDENTITY THEFT AND FRAUD. THESE FRAUDULENT ACCOUNTS CONSIST OF A PERSONAL LOAN OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX, UNDER THE ACCOUNT NUMBER XXXX, WITH A BALANCE OF {$1300.00}, AND AN INSTALLMENT ACCOUNT OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX, UNDER THE ACCOUNT NUMBER XXXX, WITH A BALANCE OF {$2200.00}. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO 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. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 's ( XXXX and XXXX ) as 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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