Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are several accounts appearing on my credit report that I did not authorize or open. These accounts are negatively affecting my credit score, and I am requesting that they be investigated and removed if found to be fraudulent. 

XXXX XXXX XXXX ( XXXX Account ) This account was reportedly opened on XX/XX/XXXX and charged off on XX/XX/XXXX with a balance of {$220.00}. I did not open this account or authorize anyone to do so on my behalf. I had no knowledge of this account until I reviewed my credit report. I am requesting a full investigation and removal of this account from my credit file. 
XXXX XXXX ( XXXX XXXX XXXX ) This account was opened on XX/XX/XXXX, with a reported balance of {$6100.00} and past due amount of {$5600.00}. I have never received any communication regarding this account and was not aware of its existence until I saw it on my credit report. I did not authorize or initiate this account and believe it may be the result of an error or identity theft. Please investigate and remove this from my credit report if found to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) This collection account, assigned on XX/XX/XXXX with a balance of {$130.00}, was also not authorized by me. I have never had a XXXX account associated with this debt. I was not contacted about this account before it was added to my credit report. I am requesting full validation of the debt and its immediate removal if found to be fraudulent. 
XXXX Washington Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Inquiry Type : Soft Inquiry Date : XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Type : Soft Inquiry Date : XX/XX/XXXX XXXX  XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX OH XXXX XXXX Type : Soft Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX EQUIFAX INC ( XXXX ) Address XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Type XXXX Soft Inquiry Date : XX/XX/XXXX EQUIFAX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX Inquiry Type : XXXX XXXX Date XXXX XX/XX/XXXX EQUIFAX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX Inquiry Type : XXXX XXXX Date XXXX XX/XX/XXXX I did not initiate or authorize any of the above inquiries and have no current relationship or pending applications with these companies. I believe these entries may be the result of identity theft or administrative error. Please conduct a full investigation and remove any inquiries that can not be validated with my documented consent. 
Additionally, I request a copy of any documentation used to justify these inquiries, and I am open to placing a fraud alert on my file if necessary. 

Please confirm receipt of this letter and notify me once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Disputed Inquiries : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Inquiry Type : Soft Inquiry Date : XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Type : Soft Inquiry Date : XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX OH XXXX XXXX Type : Soft Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX EQUIFAX XXXX ( XXXX ) Address XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Type XXXX Soft Inquiry Date : XX/XX/XXXX EQUIFAX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX Inquiry Type : XXXX XXXX Date XXXX XX/XX/XXXX EQUIFAX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX Inquiry Type : XXXX XXXX Date XXXX XX/XX/XXXX I did not initiate or authorize any of the above inquiries and have no current relationship or pending applications with these companies. I believe these entries may be the result of identity theft or administrative error. Please conduct a full investigation and remove any inquiries that can not be validated with my documented consent. 
Additionally, I request a copy of any documentation used to justify these inquiries, and I am open to placing a fraud alert on my file if necessary. 

Please confirm receipt of this letter and notify me once the investigation is complete. 

Thank you for your prompt attention to this matter.

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