Consumer complaint received 2025-03-05 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am formally submitting a complaint regarding multiple fraudulent accounts and inquiries reflected on my credit reports with Experian, TransUnion, and Equifax. This letter serves as my official request for the removal of all fraudulent accounts and unauthorized inquiries in compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. 

Summary of Fraudulent Activity : I am a victim of identity theft, as evidenced by the following supporting documents, which I have included with this complaint : An approved police report detailing the identity theft. 
An identity theft report filed with the Federal Trade Commission ( FTC ). 
A government-issued photo ID for verification of my identity. 
A recent bank statement confirming my legitimate financial activity. 

Fraudulent Accounts to Be Removed : The following accounts are fraudulent and must be removed from my credit reports immediately : XXXX. XXXX XXXX ( Account # XXXX ) Listed as Derogatory and should be removed from Experian, TransUnion , and Equifax . 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) Incorrect educational loan to be removed from Experian. 
XXXX. XXXX XXXX XXXX on Experian ( XX/XX/XXXX ). 
XXXX. XXXX  XXXX XXXX XXXX on Experian ( XX/XX/XXXX ). 
XXXX. XXXX XXXX XXXX XXXX on Experian ( XX/XX/XXXX ). 
XXXX. XXXX XXXX XXXX  XXXX on TransUnion ( XX/XX/XXXX ). 
XXXX. XXXX XXXX XXXX XXXX TransUnion ( XX/XX/XXXX ). 
XXXX. XXXX XXXX XXXX Equifax and TransUnion ( XX/XX/XXXX ). 
XXXX. XXXX XXXX on TransUnion ( XX/XX/XXXX ). 
XXXX. XXXX  XXXX Multiple inquiries on TransUnion ( XX/XX/XXXX and XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). 
XXXX. XXXX XXXX Inquiry on Equifax  ( XX/XX/XXXX ). 
XXXX. XXXX XXXX  XXXX Inquiry on XX/XX/XXXX And these XXXX  loans arent mine as well : XXXX  Loan Accounts to Be Removed : XXXX. XXXX XXXX XXXX ( Account # XXXX ) Experian XXXX. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 3. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 4. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 5. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 6. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 7. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 8. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 9. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian 10. DPT EDXXXX ( Account # XXXX ) TransUnion and Experian FCRA Violations and Legal Obligations : Under the Fair Credit Reporting Act ( FCRA ) : Section 605B [ 15 U.S.C. 1681c-2 ] mandates that credit reporting agencies must block fraudulent information within four business days of receiving an identity theft report and proof of identity. 
Section 611 [ 15 U.S.C. 1681i ] requires credit bureaus to investigate disputed information and remove it if it can not be verified. 
Section 623 [ 15 U.S.C. 1681s-2 ] prohibits data furnishers from reporting inaccurate or incomplete information after being notified of a dispute. 

Requested Resolution : I am requesting the CFPB to take the following actions : 1. Direct Experian, TransUnion, and Equifax to remove all fraudulent accounts and inquiries listed above from my credit reports. 
2. Ensure my reports reflect only four legitimate open accounts and zero unauthorized inquiries. 
3. Update my reports to show zero installment loans or outstanding debt resulting from identity theft. 

Please confirm receipt of this complaint and provide an update on the actions taken. I expect these corrections to be made promptly, as required by law. 

Thank you for your assistance in protecting my financial identity and ensuring my credit reports are accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

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