Experian Credit Reporting Company allowed : 1. Allowed XXXX XXXX XXXX to grant credit against my SSN. ( " hard '' inquiry, made to my credit history using my SSN, with " Fraud Alert '' in effect since XX/XX/2010 ) 2. XXXX XXXX, allowed an individual, to open an cell account of {$1800.00}. This person ( XXXX XXXX, of XXXX, Illinois ) has not paid this bill and XXXX sent this bill for collection. ( XXXX XXXX, XXXX, Illinois ) Under my SSN, this account was never opened by me. 3. Experian Credit Reporting Company kept XXXX ( XXXX ) credit histories, for me under XXXX SSN 's whiched caused my credit ratings to fall XXXX ; XXXX-XXXX points.