Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
XXXX'I am writing to dispute numerous entries on my XXXX  credit report dated XXXX XXXX XXXX Much of the information reported does not belong to me and appears to be the result of identity theft and the unauthorized use of my non public personal information. This letter outlines each issue in detail so that there is no misunderstandingXXXXUnder the Fair Credit Reporting Act (FCRA) and the Gramm Leach Bliley Act (GLBA), you may not furnish or maintain non public personal information about me without my consent. Under FCRA 1681i and 1681c 2, you are required to reinvestigate disputed items and block any information that is the result of identity theft within the required timeframes.\XXXXIdentification Issues\n1.\tDrivers License\nYour report shows a XXXX  drivers license ending in XXXX. I never provided or authorized this number for reporting. Its presence on my file is the result of identity theft or the unauthorized use of my information. Please delete this entry.XXXXName VariationXXXXThe report lists a name variation of XXXX XXXX. This is not my legal name. My correct legal name is XXXX XXXX This variation is the result of identity theft or inaccurate data. Please remove this name variationXXXXPersonal Information\XXXXddress History\nThe only address that should appear on my report is XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All other addresses listed, including those in Atlanta, Liberty Parkway, or malformed duplicates, are inaccurate and appear to be the result of identity theft or mixed files. Please delete all other addressesXXXXHousing StatusXXXXMy true housing status is rent. Your report shows family and own, which are incorrect and unauthorized. These entries are the result of identity theft or inaccurate reporting. Please delete all housing statuses except rentXXXXtMonths at AddressXXXXI have lived at my current address since XXXX, which is approximately XXXX  months. All other values such as XXXX  months, XXXX months, or XXXX  months are inaccurate and are the result of unauthorized data use. Please replace all values with 156 months.XXXXEmployer Information\nMy only valid employer is XXXX XXXX XXXX XXXX XXXX. All other employer names listed are inaccurate and are the result of identity theft or misreporting. Please remove all other employer names.XXXXOccupationXXXX did not authorize any occupation or job title to be reported. This information is private and its presence is the result of unauthorized data collection. Please remove all occupation entries.XXXXXXXXMonths at Employer\XXXXI have been employed with XXXX XXXX XXXX XXXX XXXX  for approximately XXXX  months. All other durations listed are inaccurate and the result of unauthorized reporting. Please replace all values with 84 months.\n9.\tPhone Numbers\nMy correct phone number is XXXX XXXX XXXX  and it should appear only once. Additional or duplicated numbers, including any 678 or 888 numbers, are inaccurate and the result of identity theft or improper data association. Please remove all other phone numbers.\XXXXEmail AddressesXXXXThe only valid email address iXXXX XXXX. All other emails, such as XXXX  and XXXX are unauthorized and the result of identity theft or confusion with another consumers data. Please remove all other emails.\n11.\tIncome\nMy correct net monthly income is $12,000.00. All other amounts listed such as $0.00, $5,500.00, $8,916.00, and others were never submitted by me and reflect identity misuse or false reporting. Please delete all other income figures.XXXX\tPay Frequency, Paycheck Dates, Direct DepositXXXX  never gave permission to report my pay frequency, paycheck dates, or direct deposit information. This is non public financial data and its presence on my report is the result of identity theft or illegal data aggregation. Please delete all of it.XXXX\tBanking Information\nI never shared or authorized the sharing of my bank account or routing numbers. The presence of this information is a serious breach of privacy and identity misuse under XXXX. Please delete all banking information from my fileXXXXInquiries Seen by Others (Hard Inquiries)\nEach of the following hard inquiries was not authorized by me and appears to be the result of fraudulent activity, identity theft, or misuse of my personal details. Please remove them all:\n\tAcima Digital (Storefront) XXXX  I never applied here; identity theft.XXXX (OnlineXXXX XXXX5  No application submitted; identity theftXXXX XXXX XXXX XXXX   Unrecognized; identity theftXXXX XXXX XXXX XXXX  Never applied for auto loan; identity theftXXXX XXXX XXXX  Duplicate; unauthorizedXXXX XXXX  Duplicate; unauthorizedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never applied; identity theft.\n\tToday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity misuseXXXX XXXX Unauthorized inquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiries Not Seen by Others (Soft Inquiries)\nEven though these are soft inquiries, they still accessed my credit file without my knowledge or permission. These must be deleted unless you can provide a signed authorizationXXXX XXXX XXXX XXXX XXXX  Never authorized; identity thefXXXX XXXX XXXX  No prequalification initiated; identity misuseXXXXExperian PXXXX XXXX XXXX  Unfamiliar; unauthorizeXXXX XXXX XXXX XXXX XXXX  Duplicate; unauthorizedXXXX XXXX XXXX   No interaction; identity thefXXXX XXXX XXXX XXXX XXXX XXXX   No applications XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfamiliar; unauthorizedXXXXtXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ongoing access without consent.XXXXegal Support\nUnder FCRA 1681i you are required to investigate and delete unverifiable data within 30 days. Under FCRA 1681c 2 you must block information resulting from identity theft within four business days. Under GLBA you are prohibited from reporting or sharing non public personal information without explicit permission.\nThank you for your prompt attention to this matter.\nSincerely,\nBrittney Keith'

Company response to consumer: Closed with explanation