Consumer complaint received 2025-01-11 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 XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of An account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX An account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX An collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX An collection Account opened at XXXX XXXX XXXX on XX/XX/XXXX Under the account number XXXX An inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX TYPE ESTIMATED REMOVAL DATE DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX DETAILS TYPE ESTIMATED REMOVAL DATE DATE XX/XX/XXXX ^ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DETAILS TYPE ESTIMATED REMOVAL DATE DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXX ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 An account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX An account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX An collection account opened at XXXX Collections on XX/XX/XXXX under the account number XXXX An collection Account opened at XXXX XXXX XXXX on XX/XX/XXXX Under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 
I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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