Consumer complaint received 2025-08-18 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts 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 ( # XXXX and # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. The fraudulent accounts appearing on my Experian credit report include a XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$2600.00}, a XXXX  account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  with a reported balance of {$140.00}, a XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$1000.00}, a XXXX XXXX auto loan account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXXXXXX  with a reported balance of {$34000.00}, a XXXX collection account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$1100.00}, a XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$480.00}, an unauthorized collection account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$160.00}, an unauthorized collection account number XXXXXXXX XXXX XXXX  opened on XX/XX/XXXXXXXX  with a reported balance of {$610.00}, an unauthorized collection account number XXXXXXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$770.00}, and an unauthorized collection account number XXXXXXXX XXXX opened on XX/XX/XXXXXXXX  with a reported balance of {$1700.00}. These fraudulent accounts have resulted in inaccurate and damaging information being reported on my credit file, including unauthorized collections, charge-offs, late payments, and hard inquiries. Pursuant to my rights under the FCRA, I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and written confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to comply with federal law may result in further legal action to protect my consumer rights. I am filing this FTC Identity Theft Affidavit to report 10 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at 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 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 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 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 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 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 These fraudulent accounts have resulted in inaccurate and damaging information being reported on my credit report, including unauthorized hard inquiries and collections. I demand that these items be permanently removed from my credit file and that all collection activity cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( 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 four ( 4 ) 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