Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/year> This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) to formally petition, as outlined under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, XXXX, and Experian, as credit reporting agencies, eliminate specific information from my consumer credit file that stems from identity theft and fraudulent actions. I respectfully request that this correction be implemented within four ( 4 ) business days from the receipt of this correspondence. The deceptive, incorrect, and misrepresentative entries include several accounts that were neither authorized nor initiated by me, including a collection account with XXXX XXXX opened on XXXX, a charged-off installment loan with XXXX XXXX XXXX opened on XXXX, and an involuntary repossession account with XXXX XXXX XXXX XXXX opened on XXXX. These unauthorized accounts have triggered unapproved hard inquiries appearing on my credit report, severely affecting my consumer FICO credit standing. The unauthorized hard inquiries appearing on my credit record include entries from XXXX XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX  on XXXX, XXXX  XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX These entries, logged on various dates, are wholly fraudulent and were not approved by me. Additionally, there are discrepancies in the reporting of my personal details, such as inaccurate variations of my name and address. These include names like XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, alongside false addresses listed as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Employment information is also incorrectly reported as XXXX XXXX XXXXXXXX, Selfemployed, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. I do not recognize, authorize, or validate the accounts, hard inquiries, or personal data inaccuracies mentioned above. All these entries stem from identity theft and fraudulent activity that I neither initiated nor approved. To corroborate my claim, I have included a copy of the FTC Identity Theft Criminal Complaint # XXXX, which confirms that the referenced accounts, inquiries, and personal data discrepancies are linked to identity theft. Additionally, I have attached Experian notifications regarding the fraudulent activity and the exposure of my personal information. I kindly request your swift attention to this matter and urge the immediate removal of these fraudulent items from my credit file.

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