Consumer complaint received 2025-02-28 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:
Dear Experian Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/24 Please remove it from my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify mee of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX  Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
3. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX  XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
4. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 

5. This agency is in violation of 15 U.S.C. 1692g. They were to notify mee of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
6. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX  Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
7. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
8. This agency is in violation of 15 U.S.C. 1692g. They were to notify mee of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX  Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
9. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX XXXX  Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
10. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
11. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX  XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
12. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
13. This agency is in violation of 15 U.S.C. 1692g. They were to notify mee of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX Account Number : XXXX I am victim of identity theft. Please remove it from my report. 
14. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX I am victim of identity theft. Please remove it from my report.

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