Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Re : Fraudulent Tradeline WebBank/Fingerhut ( Account ending XXXX ) Identity Theft Dispute under FCRA 611 To Whom It May Concern, I am the victim of identity theft, and I am formally disputing the WebBank/Fingerhut account ending in XXXX that is currently reported on my Experian credit file. I never applied for or authorized this account, never made any purchases, and never owned or used the debit or credit cards tied to it. 

On XX/XX/XXXX, someone fraudulently opened this account using my name, address, and Social Security number. The incident was reported to the XXXX Police Department ( Report No. XXXX ) and to the Federal Trade Commission ( FTC Identity Theft Report No. XXXX ). Attached are copies of both reports, which include full documentation of the fraudulent activity. 



Why This Account Is Fraudulent 1. I never applied for or authorized this account. I have no relationship with XXXX or XXXX and never initiated this account or order. 
2. The phone number used ( XXXX ) was compromised. That number was shut down due to fraud. I was not using it at the time of the alleged contact, and I never received a call or voicemail from XXXX or XXXX. 
3. The documents allegedly submitted to verify my identity were not from me. The identity thief used stolen documents and personal information to impersonate me. 
4. I did not place or receive any order. An order was allegedly shipped to my address, but I did not authorize or receive it. Fraudsters often ship to victims real addresses to avoid detection. 
5. The down payment and other transactions were not made by me. The XXXX and XXXX cards cited are not mine and do not appear on any of my banking records. 
6. XXXX XXXX has already investigated and closed this account. In a response to the Consumer Financial Protection Bureau ( XXXX # XXXX ), XXXX stated the account was closed and that they submitted a deletion request to all credit bureaus. 



Enclosed Documents : FTC Identity Theft Report # XXXX XXXX Police Report # XXXX Letter from XXXX XXXX XXXX ( dated XX/XX/XXXX ) Page from my Equifax report showing that this account is no longer reporting My Request Under the FCRA : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I formally request that you : 1. Conduct a reinvestigation of this account based on the enclosed documentation.

2. Delete the XXXX XXXX XXXX account ending XXXX ) from my Experian credit report. 
3. Send me written confirmation that the account has been removed from my file within 30 days.

Please consider this letter a formal identity theft dispute. I am also requesting that this item be blocked from reappearing on my report under the FCRAs identity theft provisions. If Experian fails to delete this tradeline, I will file an additional complaint with the CFPB and my state Attorney General. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft Report # XXXX XXXX Police Report # XXXX XXXX XXXX XXXX letter Equifax not reporting confirmation

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