Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Identity Theft Dispute Letter to ChexSystems Date : XX/XX/XXXX To : ChexSystems Consumer Assistance Attn : Consumer Relations P.O. XXXX XXXX XXXX, MN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Email : XXXX Phone : XXXX RE : Identity Theft Dispute - Request for Investigation and Removal of Fraudulent Information FTC Identity Theft Report Number : XXXX Dear ChexSystems Consumer Relations, I am writing to formally dispute fraudulent and unauthorized information appearing on my ChexSystems consumer report as a victim of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX, dated XX/XX/XXXX ), which I have enclosed for your review. 
FRAUDULENT ACCOUNTS TO BE BLOCKED AND REMOVED : XXXX Credit Card Account - XXXX XXXX Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total fraudulent amount : {$2000.00} Status : This account was opened without my knowledge or authorization XXXX. Other Identity Theft - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Discovered : XX/XX/XXXX Total fraudulent amount : {$510.00} Status : This account was opened without my knowledge or authorization UNAUTHORIZED INQUIRIES TO BE REMOVED : The following inquiries were made without my knowledge, consent, or authorization and are the result of identity theft : XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX Bank - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX TransUnion XXXX ( On Behalf Of : XXXX XXXX ) - Inquiry Date : XX/XX/XXXX TransUnion XXXX ( On Behalf Of : XXXX XXXX XXXX ) - Inquiry Date : XX/XX/XXXX TransUnion XXXX ( On Behalf Of : XXXX XXXX ) - Inquiry Date : XX/XX/XXXX TransUnion XXXX ( On Behalf Of : XXXX XXXX XXXX ) - Inquiry Date : XX/XX/XXXX Clarity Services ( On Behalf Of : XXXX XXXX Holdings ) - Inquiry Date : XX/XX/XXXX LEGAL BASIS FOR THIS DISPUTE : Under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX - XXXX of information resulting from identity theft XXXX XXXX. XXXX - Procedure in case of disputed accuracy As a victim of identity theft with an official FTC Identity Theft Report, I am requesting that you : BLOCK all fraudulent information listed above from my consumer file REMOVE all unauthorized inquiries resulting from identity theft PREVENT this information from being reported to third parties PROVIDE written confirmation of the actions taken REQUIRED DOCUMENTATION ENCLOSED : Copy of FTC Identity Theft Report # XXXX Copy of government-issued identification Proof of address FCRA COMPLIANCE REQUIREMENT : Pursuant to FCRA XXXX, upon receipt of appropriate proof of identity theft ( FTC Identity Theft Report ), you are required to block the reporting of fraudulent information within a reasonable time. I expect this matter to be resolved promptly and in accordance with federal law. 
Please provide written confirmation of : Receipt of this dispute The blocking and removal of all fraudulent information Any information that will remain on my file and the reason why I request that you send me an updated copy of my XXXX consumer report after the fraudulent information has been blocked and removed, at no charge, as I am entitled to under FCRA 612. 
CONTACT INFORMATION : Please correspond with me in writing at the address listed above or via email at XXXX. 
I declare under penalty of perjury that the information provided in this letter is true and correct to the best of my knowledge. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation