Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. The fraudulent accounts appearing on my Experian report include a XXXX  XXXX XXXX  filed on XX/XX/XXXX under case number XXXX with a balance of {$0.00} ; a credit card with XXXX Bank XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$360.00} ; a credit card with XXXX opened XXXX XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$550.00} ; a credit card with XXXX Bank XXXX XXXX XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} ; a credit card with XXXX XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} ; a credit card with XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$730.00} ; a credit card with XXXX  XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$520.00} ; a student loan with XXXX University opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} ; and an unsecured loan with XXXX  XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX with a balance of {$240.00}. Additionally, fraudulent collections have been reported, including XXXX XXXX XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1400.00}, XXXX XXXX XXXX on XX/XX/XXXX under account XXXX XXXX for {$3100.00}, XXXX XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX for {$2800.00}, and XXXX XXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00}. These accounts are not legitimate, have no connection to any lawful consumer activity on my part, and are instead the direct result of identity theft. They are causing severe harm to my credit profile, and I demand their immediate removal from my Experian credit report, along with cessation of all collection activity, pursuant to my rights under the FCRA and FDCPA. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my Experian credit report which I do not recognize and which are the direct result of identity theft and fraud. These fraudulent accounts include a XXXX  XXXX XXXX  ( XXXX, XX/XX/XXXX, {$0.00} ) ; four credit cards consisting of XXXX Bank XXXX ( XX/XX/XXXX, {$360.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX ( XX/XX/XXXX, {$550.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX Bank XXXX XX/XX/XXXX, {$1400.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XX/XX/XXXX, {$1000.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; three additional credit cards consisting of XXXX ( XX/XX/XXXX, {$730.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX ( XX/XX/XXXX, {$520.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX  XXXX XXXX XX/XX/XXXX, {$240.00}, account XXXX XXXX XXXX  ) ; one student loan with XXXX University XXXX XX/XX/XXXX, {$0.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; and four collections consisting of XXXX XXXX XXXX ( XX/XX/XXXX, {$1400.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XX/XX/XXXX, {$3100.00}, account XXXX XXXX  ), XXXX XXXX  XXXX XX/XX/XXXX, {$2800.00}, account XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XX/XX/XXXX, {$1000.00}, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These fraudulent accounts have resulted in inaccurate reporting of XXXX, credit cards, loans, hard inquiries, and collections on my consumer credit report. I demand that all these fraudulent items be permanently removed from my Experian credit report and that all collection activity related to them cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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