Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number LAST XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), 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, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$7700.00}, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$680.00}, XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX date XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 # ( XXXX ) 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.

I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report, which are the result of identity theft. My personal information was unlawfully shared without my consent with the credit reporting agencies, constituting a violation of my rights under 15 U.S.C. 1681c-2 and the Fair Credit Reporting Act ( FCRA ). According to these consumer protection laws, I have the right to dispute any information that is a result of identity theft and seek its immediate removal from my credit file. 

Furthermore, the presence of erroneous entries related to student debt, bankruptcy, collections, and child support negatively impacts my credit score and overall financial standing. This not only violates the FCRA but also the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from fraudulent collection practices. 

I request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to remove any accounts associated with this identity theft. I look forward to your prompt response and confirmation of the corrections made to my credit report.

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