Consumer complaint received 2025-05-28 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: AZ

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 information that appears on my credit reports from
Experian, TransUnion, and Equifax, which I believe to be the result of identity theft. These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf.

Fraudulent Accounts : XXXX  XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Credit Card ) Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 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 fraudulent accounts and inquiries listed above from my credit reports.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. I expect the credit bureaus and furnishers to provide documented proofsuch as signed contracts or original applicationsshowing I authorized these accounts. If no such verification can be provided, the items must be permanently deleted from my credit file.

Compensation for False Verification : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation Provided : Copy of my FTC Identity Theft Affidavit Copy of my XXXX Police Report ( Tracking # XXXX ) Copy of my government-issued ID Proof of current address ( e.g., utility bill or bank statement ) Requested Actions : Immediately block and remove all fraudulent accounts and inquiries from my credit file.

Conduct debt verification for all disputed accounts and remove any that can not be substantiated.

Provide written confirmation that the fraudulent items have been deleted.

Notify all furnishers of these accounts to cease reporting unverifiable information.

Issue updated copies of my Experian, TransUnion, and Equifax credit reports reflecting these corrections.

I expect confirmation in writing that this request has been fully processed in accordance with the Fair Credit Reporting Act. Failure to comply may result in further legal and regulatory action.

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