Consumer complaint received 2025-04-05 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 writing to formally notify you that I have been a victim of identity theft, and fraudulent accounts and/or inquiries have been reported on my credit file without my knowledge, authorization, or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights and demanding the immediate blocking and permanent deletion of all fraudulent information from my credit report. 

Additionally, I am requesting debt verification for the alleged accounts and inquiries appearing on my report, as required by federal law.

Pursuant to the FCRA : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Blocking of Information Resulting from Identity Theft Under this section, you are required to block the reporting of any information in my file that I identify as resulting from identity theft, provided I supply : A copy of an identity theft report ( attached ).

Proper identification to verify my identity ( attached ).

A statement that the information is not related to any transaction I knowingly made.

You must block this information within four ( 4 ) business days of receiving this request.

2. FCRA 611 ( 15 U.S.C. 1681i ) : Dispute and Verification of Debt I am formally disputing all fraudulent accounts and inquiries on my report and requesting full debt verification for each item. 
You must provide me with written proof that the alleged debts are valid, including documentation showing my signature or agreement to the accounts. If you can not verify the debts, you must remove them from my report immediately. 

3. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information You are required to notify the creditors ( furnishers ) of my identity theft claim. The furnishers must cease reporting any unverifiable or fraudulent items. 



Fraudulent Accounts to Be Deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance : {$480.00} XXXX Credit XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance : {$69.00} XXXX. XXXX / XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries to Be Deleted : XXXX. XXXX / XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX / XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  / First Inquiry Date : XX/XX/XXXX Notice of Legal Rights Compensation for Non-Compliance : Under FCRA 616 ( 15 U.S.C. 1681n ), if any unverifiable or fraudulent accounts or inquiries are not removed from my credit report, I am entitled to pursue statutory damages of {$1000.00} per violation. Additionally, if any item is falsely verified as valid, I reserve the right to pursue legal action for willful non-compliance. 



Formal Request : Immediate blocking and deletion of all fraudulent accounts, inquiries, and other unauthorized items Debt verification for all listed accounts and inquiries Written confirmation of the removal of fraudulent items and evidence that creditors have been notified Updated copies of my credit report reflecting the corrections Supporting Documents Attached : A copy of my identity theft report ( e.g., police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of current address ( e.g., utility bill or bank statement ) Please confirm receipt of this dispute and provide a written response confirming your compliance within the timeframes outlined by law.

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