Consumer complaint received 2025-04-13 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 submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following accounts listed on my credit report, which I believe are the result of identity theft XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed. {$420.00} written off. 
Balance : {$0.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Status : Open. {$1000.00} past due as of XX/XX/XXXX. 
Balance : {$41000.00} XXXX. XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Paid in settlement. {$6600.00} written off. 
Balance : Not reported 4. XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid. Closed. {$640.00} written off. 
5. XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$230.00} 6. XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Paid. Closed. 
7. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$420.00} past due as of XX/XX/XXXX. 
Balance : {$420.00} 8. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Open/Collection Balance : {$1200.00} XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid. Closed. 

These accounts and collections are not mine, and I have never authorized, opened, or benefited from them. I am the victim of identity theft and have reason to believe my personal information was used fraudulently to open these accounts. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete the above-mentioned fraudulent accounts from my report.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am also requesting full debt verification. I demand that the credit bureaus and the original furnishers provide valid proof including any signed applications, contracts, or identification that demonstrate I personally authorized these accounts. If such verification can not be provided, the accounts must be permanently removed from my credit file.

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts are falsely verified as valid despite my claim of identity theft, I reserve the right to pursue statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following with my claim : A copy of my government-issued photo ID Proof of my current address ( e.g. utility bill or bank statement ) A police report and/or FTC Identity Theft Affidavit confirming I am a victim of identity theft Requested Actions : I am formally requesting the following actions : 1. Immediate blocking and permanent removal of all fraudulent accounts and inquiries.

2. Debt verification for each disputed account with documented evidence.

3. Written confirmation that these accounts have been deleted.

4. Confirmation that furnishers have been notified and told to stop reporting unverifiable information.

5. A new, updated copy of my credit report with the corrections reflected.

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