Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian, XXXX and XXXX 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 receiving this complaint. The fraudulent, inaccurate, and false information consists of the following : Accounts : XXXX XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$41000.00}. 
XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$19000.00}. 
XXXX XXXX XXXX XXXX XXXX auto loan account opened in XX/XX/XXXX, with a balance of {$22000.00}. 
XXXX XXXX XXXX, collections account opened in XX/XX/XXXX, with a balance of {$5300.00}. 
Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 

I have attached a list of the hard 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 Complaint # XXXX as proof from the U.S. 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 explanation