Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10777447
Complaint Overview
Complaint ID: 10777447
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 94103
Date Received: 2024-11-12T12:00:00-05:00
Date Sent to Company: 2024-11-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have filed an FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections charge offs and late payments appearing on my consumer FICO 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. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX charged-off account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) Balance of : {$190.00}, XXXX XXXX charged-off account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) Balance of : {$840.00} an auto credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$2000.00} ), a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$190.00} ), a unsecured loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$160.00} ), a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$330.00} ) that appears related to the XXXX XXXX XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of : ( {$330.00} ) appears to be related to XXXX, and a secured credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of ( {$15.00} ) These accounts have resulted in several fraudulent hard inquiries, fraudulent collections and charge offs appearing on my consumer FICO and XXXX XXXX credit report ( XXXX ). I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Frequently Asked Questions
What is Complaint #10777447 about?
Complaint #10777447 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-12T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.