Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * * * * * * *, and a Credit Card opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * * * * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * * * * * * *, and a Credit Card XXXX XXXX XXXX CARD on XX/XX/XXXX under the account number XXXX * * * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX OF XXXX on XX/XX/XXXX under the account number * *, and a Credit Card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * * *, and a Collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX * * * * * * * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * *, and a Collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the XXXX and XXXX laws.

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