Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB comolaint has. been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX, and Experian 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. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. An auto loan account was opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX with a balance of {$2100.00} A lease or factoring company account loan was opened at XXXX XXXX XXXX opened XX/XX/XXXX : Account number XXXX, with a balance of {$700.00}. A factoring company loan at XXXX XXXX was opened on XX/XX/XXXX, account. # XXXX. And account at XXXX XXXX XXXX. XXXX Opened on XX/XX/XXXX. XXXX : with a balance of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected. 

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true name or address, which is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX FL XXXX I request that you investigate this matter and remove all incorrect or duplicate variations of my name and address from my credit file. To assist your investigation, I have included the following documents : A copy of my government-issued ID showing my correct legal name and address.

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