Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian Team, I am writing to formally request that you block and delete all fraudulent accounts and hard inquiries listed below from my credit file per 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a confirmed victim of the XXXX data breach, my personal information was compromised, resulting in fraudulent activity appearing on my credit report. I have verified through the XXXX XXXX XXXX XXXX website that my information was affected by this breach. To protect myself from further unauthorized use of my credit, I am taking the necessary steps to have this fraudulent information removed from my report. 
Accounts to Be Corrected or Removed 1. XXXX XXXX Current Issue : This account has been removed from my Experian and XXXX reports . 
Action Requested : Remove this account from my XXXX credit report, as it is inaccurate and no longer valid. 
2. XXXX XXXX XXXX Current Issue : This account has also been removed from my Experian and XXXX reports. 
Action Requested : Remove this account from my XXXX credit report immediately, as it is no longer valid. 
3. XXXXXXXX XXXX XXXX XXXX Current Issue : The account is incorrectly reported. 
Correct Information : This account should reflect " Pays-as-agrees/In Good Standing '' with XXXX missed or late payments and " Worst Payment Status : Current. '' Action Requested : Update this account to accurately reflect its positive standing. 
4. XXXX XXXX Current Issue : The account is incorrectly reported. 
Correct Information : This account should reflect " Pays-as-agrees/In Good Standing '' with XXXX missed or late payments and " Worst Payment Status : Current. '' Action Requested : Update this account to accurately reflect its positive standing. 
5. XXXX  Current Issue : The account is misclassified and incorrectly reported. 
Correct Information : This account should reflect " Pays-as-agrees/In Good Standing '' with XXXX missed/late payments and " Worst Payment Status : Current. '' Account Classification : This is not a real estate loan ; it is a consumer loan for solar panels. 
Action Requested : Correct the classification and update the account to reflect its positive standing. 
Hard Inquiry to Be Removed XXXX  XX/XX/year> This inquiry was unauthorized and must be removed immediately in compliance with FCRA and Metro 2 guidelines. 
Supporting Documentation : To assist with the processing of my request, I have enclosed the following documents : 1. A copy of my government-issued identification showing my current address. 
2. An affidavit of fact confirming my status as a victim of the XXXX data breach. 
3. A printout from the XXXX XXXX XXXX XXXX website confirming my affected status. 
Please process this request promptly per the Fair Credit Reporting Act and confirm the resolution in writing. If you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 
Thank you for your time and attention to this matter.

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