Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, as the credit reporting agency, block the information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be completed within 4 business days of receiving this complaint. 

The following is a summary of the fraudulent activity : **Credit Card Fraud : ** - **Account 1 : ** XXXX XXXX XXXX XXXX XXXX **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - **Amount : {$2200.00} - **Details : ** This account was opened fraudulently under my name. I did not apply for this credit card, and I had no knowledge of this account until it appeared on my credit report. 

- **Account 2 : ** XXXX XXXX XXXX XXXX XXXX **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$11000.00} - **Details : ** Similarly, this account was also opened without my authorization. I did not apply for this credit card, and it was only brought to my attention through my credit report. 

- **Account 3 : ** XXXX XXXX XXXX XXXX  - **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$640.00} - **Details : ** This credit card account was opened fraudulently. I did not authorize or apply for this account. 

**Loan Fraud : ** - **Account 4 : ** XXXX XXXX XXXXXXXX ( Auto Loan ) - **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$16000.00} - **Details : ** This auto loan was opened in my name without my knowledge or consent. I did not apply for or authorize this loan. 

- **Account 5 : XXXX XXXX XXXX ( Personal Loan ) - **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$530.00} - **Details : ** This personal loan was also opened fraudulently. I did not apply for or authorize this loan. 

These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by Experian, which shows the fraudulent items mentioned above. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and all are the result of identity theft and fraud. 

To support my claims, I have filed a police report with the XXXX Police Department in Florida regarding this identity theft and fraud and have attached a copy of the report for your reference. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. 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