Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
Multiple unauthorized accounts have appeared on my credit reports with balances and derogatory statuses that I do not recognize or owe. These include collection accounts originally from XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX  XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX card account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), and another credit card account ( Account # : XXXX XXXX XXXX XXXX XXXX  ) with a large outstanding balance. I have never opened or authorized any of these accounts. 

Additionally, there have been numerous unauthorized hard credit inquiries from various auto financing companies and credit unions in XX/XX/year>, none of which I applied for or consented to. 

I have taken immediate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ), disputing these accounts and inquiries with all three major credit bureaus, and providing clear proof that these accounts are fraudulent. 

The continued presence of these fraudulent accounts and unauthorized inquiries constitutes violations of the following federal laws : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates accurate reporting of credit information, requires credit bureaus and furnishers to conduct a reasonable investigation of disputes, and mandates removal of fraudulent or inaccurate information promptly. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices, including repeated harassment or attempting to collect debts not owed.

The Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681 note, an amendment to the FCRA that provides protections against identity theft, including requirements for proper identity verification and procedures for victims to place fraud alerts and freezes on their credit files. 

Despite my efforts, the fraudulent information remains on my credit reports, and I continue to receive repeated and harassing calls from debt collectors regarding these accounts. This causes significant harm to my creditworthiness, emotional well-being, and financial stability. 

Because of these fraudulent accounts and inquiries, I am unable to qualify for a mortgage loan to purchase a home, directly affecting my familys security and future. 

I hereby demand the immediate and permanent removal of all fraudulent accounts and unauthorized inquiries from my credit reports maintained by TransUnion, Experian, and Equifax. 

I also demand immediate cessation of all collection calls and activities related to these fraudulent debts, in accordance with the FDCPA. 

I request a full and transparent investigation into how these accounts were opened or authorized using my personal information, with documentation provided to me. 

I expect written confirmation once these corrective actions have been completed. 

Failure to comply will compel me to pursue all legal remedies available, including complaints to regulatory agencies and possible legal action to protect my rights and seek damages.

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