Consumer complaint received 2025-08-13 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: NH

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # [ Private Case Number ] ) along with supporting documentation, including proof that my personal data was compromised in the Equifax XXXX breach. The fraudulent items include several accounts with the Department of EducationXXXX XXXX account number XXXX opened on XX/XX/XXXX with a reported balance of {$5000.00} ; account number XXXX opened on XX/XX/XXXX with a reported balance of {$11000.00} ; account number XXXX opened on XX/XX/XXXX with a reported balance of {$6300.00} ; account number XXXX opened on XX/XX/XXXX with a reported balance of {$9900.00} ; account number XXXX opened on XX/XX/XXXX with a reported balance of {$5100.00} ; account number XXXX opened on XX/XX/XXXX with a reported balance of {$21000.00} ; account number XXXX opened on XX/XX/XXXX with a reported balance of {$5100.00} ; and account number XXXX opened on XX/XX/XXXX with a reported balance of {$9000.00}. Additional fraudulent accounts include XXXX XXXX XXXX XXXX, account number XXXX opened on XX/XX/XXXX with a reported balance of {$0.00}, and account number XXXX opened on XX/XX/XXXX with a reported balance of {$0.00}. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of student loans with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX for {$5100.00} ; opened XX/XX/XXXX for {$5000.00} ; opened XX/XX/XXXX for {$9900.00} ; opened XX/XX/XXXX for {$11000.00} ; and opened XX/XX/XXXX for {$6300.00} and Dept of Ed/XXXX XXXX XXXX XX/XX/XXXX under account number XXXX for {$21000.00} ; opened XX/XX/XXXX for {$5100.00} ; and opened XX/XX/XXXX for {$9000.00}. Also included are accounts with XXXX XXXX XXXX XXXX : opened XX/XX/XXXX under account number XXXX for {$0.00} and opened XX/XX/XXXX under account number XXXX for {$0.00}. These accounts have caused fraudulent hard inquiries and collections to appear on my credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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