Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts and inquiries consist of An closed account from XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX An account closed from XXXX XXXX opened on XX/XX/XXXX under the account number XXXX A collection account from XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  A collection account from XXXX XXXX opened on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 A Collections Accounts and the following inquiries An closed account from XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX An account closed from XXXX XXXX opened on XX/XX/XXXX under the account number XXXX A collection account from XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX A collection account from XXXX XXXX opened on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX TYPE Miscellaneous Finance ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX XXXX XXXX TYPE Auto Dealers, Used ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXX  Miscellaneous Finance ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX TYPE Mortgage Companies - Finance ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX TYPE Auto Dealers, New ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX TYPE Auto Dealers XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX TYPE Auto Loans ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX TYPE Auto XXXX XXXX XXXX ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX TYPE XXXX Dealers, New ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX TYPE Auto Loans ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX TYPE Personal Loan Companies ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX TYPE Auto Dealers, Used ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX BEND XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX TYPE Auto Dealers, New ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX TYPE Bank Credit Cards ESTIMATED XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ( XXXX XXXX XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX TYPE Auto Loans ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX XXXX Auto Loans ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX XXXX XXXX TYPE Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX TYPE Auto Dealers, New ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Auto Financing ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Auto XXXX ESTIMATED REMOVAL DATE XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard 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 hard 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 hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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