Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because I am experiencing significant emotional and financial distress due to fraudulent and unauthorized accounts appearing on my consumer credit report maintained by Experian. After investigating my credit report, I have verified that the following negative accounts are not mine and are the result of identity theft. Their presence violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Gramm-Leach-Bliley Act ( GLBA ). I demand the immediate removal of these accounts and related inquiries, as well as the cessation of unauthorized sharing of my personal information. 
Fraudulent Accounts and Inquiries : The following accounts and associated inquiries are fraudulent and were opened without my knowledge or consent : XXXX XXXX ( XXXX ) Personal Credit Card Account Account Number : XXXX Balance : {$9000.00} Balance Updated : XX/XX/year> Description : This account is marked as potentially negative and was opened fraudulently due to identity theft. 

XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) Account Account Number : XXXX Balance : {$8800.00} Balance Updated : XX/XX/year> Description : This account is marked as potentially negative and was opened fraudulently due to identity theft. 

Fraudulent Hard Inquiries Description : Multiple unauthorized inquiries associated with the above fraudulent accounts ( list attached ).

Legal Violations : 15 U.S.C. 1681a ( 4 ) Consumer Right to Privacy ( FCRA ) : The reporting of these fraudulent negative accounts infringes upon my right to privacy. Under the FCRA, Congress recognizes my right to determine what information I deem private. I declare these negative accounts private and do not authorize their inclusion on my consumer credit report.

15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( FCRA ) : The FCRA, specifically 1681b ( a ) ( 2 ), permits consumer reports to be furnished only in accordance with my written instructions or under specific circumstances, none of which apply here. I have not provided written consent for these accounts or inquiries to be reported, and their presence lacks a permissible purpose. 

15 U.S.C. 1692e ( FDCPA 807 ) False or Misleading Representations : The reporting of these fraudulent accounts constitutes false and misleading representations, as they are not my debts and were opened without my knowledge or consent due to identity theft.

15 U.S.C. 6802 Obligations with Respect to Disclosures of Personal Information ( GLBA ) : Under the GLBA, I have the right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I have not received any notice from Experian regarding the sharing of my information related to these accounts, nor have I authorized such disclosures.

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