Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
I am a verified victim of identity theft, supported by a filed FTC Identity Theft Report ( Report ID : XXXX ) and accompanying documentation.. Multiple accounts, inquiries, names, phone numbers, and addresses have appeared on my credit report without my knowledge, authorization, or consent. I am requesting permanent removal, block, and cessation of collection and reporting under the Fair Credit Reporting Act. This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA 605B ; 15 U.S.C. 1681c-2 ) to request that TransUnion, Equifax, and Experian immediately block and remove all fraudulent accounts, unauthorized credit inquiries, and inaccurate personal information appearing on my consumer credit profile. 

I am a verified victim of identity theft. The following accounts, inquiries, and addresses were added to my consumer report without my consent or knowledge and I ask be permanently removed in compliance with federal law, as well as cessation of all collection activities. 

Fraudulent Accounts on My Credit Report XXXX XXXX Bank XXXX, XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX and XX/XX/XXXX Balance : {$680.00} / {$690.00} Status : Closed by credit grantor Never applied, authorized, or benefited from this account. 

XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$680.00} XXXX XXXXXXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date XXXX XXXX XXXXXX/XX/XXXX Total Fraudulent Amount : {$690.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$450.00} Resurgent XXXX Funding Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$740.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Issue : Marked as account payments managed by financial counseling program never authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Date Opened : XX/XX/XXXX I have never conducted business with this company. 

XXXX XXXX XXXX XXXX ( 2 accounts ) Account Numbers : XXXX / XXXX Date Opened : XX/XX/XXXX and XX/XX/XXXX I never had dealings with XXXX XXXXr the original creditors they claim to represent. 

XXXX XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX Unauthorized collections attempt. 

Fraudulent Hard Inquiries These inquiries were made without my knowledge, application, or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All tied to fraudulent auto loan, credit card, or personal loan applications. 

Fraudulent Addresses These addresses were fraudulently associated with my identity. I never lived at or authorized their use : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX Pl, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following names and phone numbers appear on my credit report but do not belong to me and must be removed : Names : XXXX XXXX XXXX, XXXX XXXX XXXX Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX These are fraudulent identifiers associated without my consent. 

Legal Grounds for Complaint Under the Fair Credit Reporting Act, I am invoking the following legal provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) Entitles me to a block of all information resulting from identity theft within 4 business days of receiving this notice and FTC Identity Theft Report.

FCRA 1681s-2 ( b ) Requires furnishers ( like XXXX XXXX, XXXX, etc. ) to investigate disputed data and delete unverifiable or inaccurate items. 
FCRA 1681e ( b ) Mandates credit bureaus to use reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) Requires a timely re-investigation of disputed accounts and removal if not verified. If the credit bureaus and data
furnishers fail to comply, I reserve the right to pursue legal action under : FCRA 616 ( 15 U.S.C. 1681n ) Willful noncompliance FCRA 617 ( 15 U.S.C. 1681o ) Negligent noncompliance Supporting Documentation FTC Identity Theft Report ID : XXXX Credit Reports from Experian, Equifax, and TransUnion ( 2025 ) Photo ID & Utility Bill ( proof of address ) Evidence of fraudulent inquiries and accounts All unauthorized names and aliases ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX

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