Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian the 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 an account opened at on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX for {$350.00}, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$10000.00}, a personal credit card XXXX XXXX XXXX  account opened XX/XX/XXXX XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XX/XX/XXXX with a balance of $ {$490.00}. These accounts have resulted in several fraudulent soft inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the soft inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or soft inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and soft inquiries are the result of identity theft and fraud and your intentional refusual to stop violating my rights and sending reports that dont have any right for Experian to say that Account information disputed by consumer ( Meets requiremen of the Fair Credit Reporting Act ) .as a result of a reinvestigation or any investigation and if so please provide the original information that lead to your finding because what they are reporting is untrue and instead of correcting the behavors that has them in a court of law paying monies back to the consumers they have violated nor refuse to stop unlawfully breaking the laws regardless of being in constant violation of the is a vaildated intentional act to do harm, resulting in 5 months of taking up my time casuing homelessness and reports that are a XXXX XXXX XXXX XXXX with no change and a unlawful intent to harrass a victum of a crime nor had my permisson to speak to any furnisher to conspirre to report the innacuracies that should result on deletion in 4 days and no more that thean 30 days and here we are almost 6 months later and this has complertely destroyed my life and is flat out grounds for a lawsuit and leaves me no choice but to do so for damages that legally allowed to XXXX a violation and repulsive that i have to tell someone the law and how do their job when they get a paycheck and should know better to engage in such evil behavor and i demand for them to stop harrassing a XXXX viictum of a serious crime and a ton of indenity theft and have now created homelessness as if i have nit suffered enough and at what point does a company get banned from having access to a innocent life and do what ever they feel like doing instead of the law tells them to do, not have any authority when proven to abuse the power given. I hve attached a copy of FTC Identity Theft Criminal Complaint # and plenty more proof for this to have been resloved the firsst time and this is the last time before i sue and start a XXXX XXXX XXXX to gather all of the other people they are doing this same treatment to and create a class action as well as my very large law im filing for this act of inhumane cruelty. I have provided the proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and soft 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