Consumer complaint received 2025-10-13 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 of this crime, there are fraudulent accounts and/or unauthorized inquiries appearing on my credit report that I did not authorize, open, or benefit from. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally requesting that these items be investigated, verified, and removed from my credit file immediately.

Details of the Dispute After carefully reviewing my credit report, I identified several accounts that were opened using my personal information without my knowledge or consent. I have never applied for, received, or used these accounts. These fraudulent accounts are as follows : 1. XXXX XXXX Account ending in XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, {$720.00} written off Responsibility : Individual 2. XXXXXXXX XXXX XXXX Account ending in XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, {$850.00} written off Responsibility : Individual 3. XXXX XXXX XXXX XXXX XXXX Bank Account ending in XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, {$860.00} written off Responsibility : Individual 4. XXXXXXXX XXXX XXXXXXXX. Account ending in XXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX Status : Account charged off, {$650.00} written off Responsibility : Individual 5. XXXX XXXX XXXX XXXX Account ending in XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Status : Collection account, {$790.00} past due Responsibility : Individual I did not apply for or authorize any of these accounts. These creditors opened and/or reported the accounts using stolen personal information including my name, date of birth, and Social Security number. I have had no financial relationship with any of these institutions and have not provided any authorization, signatures, or consent for these accounts. These accounts were fraudulently established and reported without my knowledge.

Formal Request for Investigation and Debt Verification Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all consumer reporting agencies immediately block and delete the fraudulent items identified above from my credit file. I am also exercising my right under FCRA 611 ( 15 U.S.C. 1681i ) to demand verification of these alleged debts.

Under federal law, furnishers and credit reporting agencies are required to provide documented evidence verifying the validity of any reported accounts. This includes original signed applications, agreements, or other forms of authentication proving that I personally initiated the credit relationship. If such proof can not be produced, the items must be permanently removed and blocked from future reporting.

I expect the results of your reinvestigation to include copies of any supporting documentation used to verify the accounts. Any unverifiable or incomplete data must be deleted in accordance with the FCRA.

Compensation for False Verification As clearly stated 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, in addition to actual damages, punitive damages, and reasonable attorneys fees. Therefore, if any of these items are inaccurately verified, I reserve all rights to pursue legal remedies under federal law.

Supporting Documentation To substantiate my claim and assist in the verification process, I have included the following documentation : A copy of my Identity Theft Report / Police Report documenting this incident.

A copy of my government-issued identification to verify my identity.

Proof of my current address ( such as a recent utility bill or bank statement ).

These documents confirm my identity and support the validity of my dispute.

Requested Actions I am formally requesting the following actions be taken immediately : 1. Immediate blocking and removal of all fraudulent accounts and inquiries from my credit file under FCRA 605B.

2. Debt verification for all disputed accounts under FCRA 611, including copies of any applications, contracts, or signatures allegedly tied to me.

3. Written confirmation that the fraudulent accounts and related inquiries have been permanently deleted from my credit report.

4. Notification to all furnishers ( the companies that provided the data ) instructing them to cease reporting unverifiable or fraudulent information.

5. An updated copy of my credit report reflecting these deletions and corrections once the investigation is complete.

I request that all correspondence and verification results be sent to me in writing. This ensures transparency and serves as documented proof that my identity theft dispute has been properly addressed and resolved in accordance with the FCRA.

Legal Notice and Good Faith Effort This statement serves as both a formal identity theft affidavit and a legal dispute request under federal law. I am acting in good faith to correct and restore the accuracy of my credit file. I have never had any association with the listed accounts, and I did not authorize their creation or reporting.

If these items remain uncorrected or falsely verified, I will have no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am requesting your immediate attention to this matter and full compliance with the timelines required by the FCRA. Failure to take prompt and lawful action may result in further enforcement or legal measures.

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