Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private XXXX ending in XXXX ) Date of Birth : ( Private XXXX XX/XX/XXXX ) Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX Email : XXXX Nature of the Complaint I am filing this CFPB complaint against Experian to demand, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block and permanently remove fraudulent information appearing on my Experian credit report within four ( 4 ) business days of receiving this complaint.

The fraudulent accounts, hard inquiries, and collections appearing on my credit report that were not authorized by me and are the result of identity theft include : Fraudulent Accounts & Collections 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 XXXXXX/XX/XXXX Fraudulent Hard & Soft Inquiries Additionally, my consumer XXXX credit report maintained by you contains several fraudulent hard and soft inquiries, including but not limited to : 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 Experian XXXX XXXX dates from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX ) XXXX ( Additional inquiries included in attached Experian credit report. ) Applicable Laws Supporting My Complaint Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies to block fraudulent information resulting from identity theft within four ( 4 ) business days after receiving proper documentation.

Fair Debt Collection Practices Act ( FDCPA ) 805 ( 15 U.S.C. 1692c ) Prohibits further collection attempts on fraudulent debts and restricts debt collectors from harassing consumers regarding fraudulent accounts.

FCRA 609 ( 15 U.S.C. 1681g ) Provides the right to request all information in my file from Experian, including details on fraudulent accounts and inquiries.

FCRA 611 ( 15 U.S.C. 1681i ) Grants me the right to dispute inaccurate or fraudulent information and requires Experian to investigate and correct any errors.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Makes identity theft a federal crime and holds businesses accountable for failing to properly verify identities before granting credit.

Truth in Lending Act ( TILA ) 1643 ( 15 U.S.C. 1643 ) Limits my liability for fraudulent credit card transactions to {$50.00} and requires issuers to remove unauthorized charges.

Electronic Fund Transfer Act ( EFTA ) 909 ( 15 U.S.C. 1693g ) Protects me from unauthorized electronic transfers and mandates financial institutions to correct fraudulent transactions.

Demand for Immediate Action Pursuant to FCRA 605B, I demand that you : Immediately block and remove the aforementioned fraudulent accounts, inquiries, and collections from my credit file.

Cease all reporting of these fraudulent items to third parties, including potential creditors.

Provide written confirmation of the removal of these fraudulent accounts from my credit file.

Ensure that no further collection activity related to these fraudulent accounts continues.

Comply with all applicable federal and state laws regarding identity theft, consumer rights, and fraudulent financial activities.

In conclusion, I request that you immediately treat this matter with urgency and comply with FCRA 605B by removing the fraudulent accounts, hard inquiries, and collections. Please send written confirmation of compliance to my mailing address and email. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/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