Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed an FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections charge offs and late payments appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : XXXX XXXX charged-off account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) Balance of : {$190.00}, XXXX  XXXX charged-off account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) Balance of : {$840.00} an auto credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$2000.00} ), a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$190.00} ), a unsecured loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$160.00} ), a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$330.00} ) that appears related to the XXXX XXXX XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$330.00} ) appears to be related to XXXX, and a secured credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of ( {$15.00} ) These accounts have resulted in several fraudulent hard inquiries, fraudulent collections and charge offs appearing on my consumer FICO and XXXX XXXX credit report ( XXXX ). I've attached a list of the 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 Complaints # ( XXXX ) and ( 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.

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 non-monetary relief