Consumer complaint received 2025-07-17 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: IL

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 XXXX  XXXX Bankruptcy ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO credit reports with Experian, XXXX, and XXXX, which I do not recognize and which are the result of identity theft and fraud. These include a XXXX  XXXX Bankruptcy filed under case number XXXX on XX/XX/XXXX for {$0.00} and a collection account reported by XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXXXXXX XXXX for {$1300.00} ; a collection account from XXXX XXXX  opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$730.00} and a collection account from XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX for {$640.00} ; two collection accounts opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$620.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$950.00} ; XXXX additional collection accounts reported by XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXXXXXX XXXX XXXX for {$6400.00} ; a collection account from XXXX  XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$550.00} and another from XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$890.00} ; and lastly, a collection account from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$26.00}. I did not authorize or initiate any of these accounts, nor have I had any dealings with the listed creditors. These fraudulent entries have led to unauthorized hard inquiries, negative credit reporting, and harmful collection activity. I am requesting the immediate removal of all of these items from each of my consumer credit reports and demand that all related collection efforts cease at once, as provided 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