Consumer complaint received 2024-11-07 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: MS

Complaint narrative:
Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under 15 USC 1681c-2 ( a ) I am writing to formally notify XXXX, Experian, and XXXX, of my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via XXXX  ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below EXPERIAN XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX- XX/XX/XXXX- XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX - - XXXX - - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$1200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX usage 0 % XXXX {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XX/XX/XXXX- XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Too new to rate ; Approved but not used Status updated XX/XX/XXXX Past due amount - Highest balance $ 358 Monthly payment XXXX XXXX XXXX  Credit usage 0 % XXXX {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$1200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary No payment history available to display. 

Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance {$1300.00} Monthly payment - Additional info XXXX XXXX Account Terms XXXX XXXX sold - Original creditor XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Paid Status updated XX/XX/XXXX Payment summary No payment history available to display. 

Comments-- Your statement Contact info Name XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance $ 358 Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement XXXX XXXX  LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance $ 162 Monthly payment XXXX XXXX LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$1200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance {$1300.00} Monthly payment XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 

Comments Paid collection XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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