Consumer complaint received 2025-07-25 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: NH

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 accountsspecifically collections, charge-offs, late payments, and hard inquiriesthat 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 along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. The fraudulent accounts appearing on my Experian credit report include several federal student loan entries reported under DEPT OF ED/XXXX, including : account XXXX opened on XX/XX/XXXX with a balance of {$5100.00} ; account XXXX opened on XX/XX/XXXX with a balance of {$5000.00} ; account XXXX opened on XX/XX/XXXX with a balance of {$5100.00} ; account XXXX opened on XX/XX/XXXX with a balance of {$9900.00} ; account XXXX opened on XX/XX/XXXX with a balance of {$6300.00} ; account XXXX opened on XX/XX/XXXX with a balance of {$11000.00} ; account XXXX opened on XX/XX/XXXX with a balance of {$9000.00} ; and account XXXX opened on XX/XX/XXXX with a balance of {$21000.00}. Additionally, two fraudulent private student loans were reported by XXXX XXXX XXXX XXXXXXXX : account XXXX opened on XX/XX/XXXX with a balance of {$5900.00}, and account XXXX opened on XX/XX/XXXX with a balance of {$6800.00}. These accounts do not belong to me and must be removed immediately pursuant to my rights under federal law. I am filing this FTC Identity Theft Affidavit to report ten fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include eight student loan accounts opened under DEPT OF ED/XXXX  ( Acct : XXXX ) and two accounts reported by XXXX XXXX XXXX XXXXXXXX ( Acct : XXXX and XXXX ). I did not authorize or open these accounts, and their presence has resulted in numerous fraudulent hard inquiries and negative reporting. I demand that all of these items be immediately removed from each of my consumer credit reports and that all related collection activity be permanently ceased pursuant to my rights under the FCRA and 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