Consumer complaint received 2025-07-24 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, there are numerous fraudulent accounts and inquiries on my credit report that I did not authorize, initiate, or have any knowledge of. These unauthorized entries are the direct result of my personal identifying information being used without my consent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally requesting that these items be thoroughly investigated, verified, and permanently removed from my credit file. 

Details of the Dispute : I am disputing the following information currently reported on my credit report. I believe these items are fraudulent and the result of identity theft. I did not authorize, open, or benefit from any of these accounts. I am not affiliated with the companies in question and have never signed any agreements or contracts related to these debts. 

The fraudulent accounts I am disputing include the following : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Charged off, balance {$2500.00} Responsibility : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Charged off, balance {$1000.00} Responsibility : Individual Amsher Collection Service Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account, balance {$380.00} Responsibility : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account, balance {$7300.00} Responsibility : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, balance {$300.00} Responsibility : Individual XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, balance {$180.00} Responsibility : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account, balance {$11000.00} Responsibility : Individual Additional XXXX Accounts ( Note : Details of additional XXXX fraudulent accounts have been submitted with supporting images and documentation. These include further collections, charge-offs, and accounts opened in my name without my knowledge or consent. ) None of these accounts were opened, used, or authorized by me. I did not apply for credit with these institutions, nor did I authorize any third party to use my name or identifying information to do so. These accounts have caused damage to my credit profile and are currently preventing me from accessing fair and accurate credit opportunities. 

Formal Request for Investigation and Debt Verification : In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that each of the above fraudulent accounts and inquiries be blocked and deleted immediately from my credit report by all credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX These accounts are the result of identity theft and should not be associated with my credit profile. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I am also requesting debt verification for each of the disputed accounts. I demand that each creditor or data furnisher provide documented evidence proving that I personally applied for or authorized the credit in question. Such documentation must include signed applications, contracts, or other legally binding authorization from me. 

If these companies can not verify the authenticity of these debts using valid, legally sufficient documentation, then the accounts must be permanently removed from my credit file with all consumer reporting agencies. 

Compensation for False Verification : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), I am aware of my rights to pursue statutory damages of {$1000.00} per violation in the event that any credit reporting agency or data furnisher falsely verifies one or more of these accounts as legitimate, despite my identity theft claim and lack of authorization. 

Should any entity fail to comply with my request and falsely verify any of these fraudulent accounts, I reserve the right to seek legal remedy through civil litigation for all applicable damages, including but not limited to actual damages, statutory damages, punitive damages, and attorney fees. 

Supporting Documentation : To assist with your investigation and verification, I am including the following documents with this complaint : A copy of my identity theft report ( police report and/or FTC Identity Theft Affidavit ) A copy of my government-issued identification ( state ID or drivers license ) Proof of current address ( utility bill, bank statement, or lease agreement ) Screenshots and/or credit report entries clearly identifying each fraudulent account These documents prove that the accounts listed above were opened and/or reported without my authorization. They also confirm my identity, current residence, and efforts to lawfully dispute this criminal misuse of my personal information. 

Requested Actions : To ensure that this issue is resolved and that my credit file is accurately corrected, I am requesting the following actions : Immediate deletion and blocking of all fraudulent accounts and inquiries reported in my name. 

A full investigation and debt verification of each account listed above. 

Written confirmation from all three credit reporting agencies that these fraudulent entries have been removed. 

Proof that each data furnisher was notified and instructed to cease reporting unverifiable information tied to my identity. 

An updated and corrected copy of my credit report reflecting the removals. 

I would also appreciate timely communication regarding the status of my dispute, including investigation results and next steps. Any attempt to delay, ignore, or unjustifiably verify these fraudulent accounts will be met with further escalation through legal channels. 

Closing : I take this matter very seriously and am making every legal effort to protect and restore my financial identity. These fraudulent accounts have significantly harmed my creditworthiness, my peace of mind, and my ability to pursue opportunities that require a clean credit report. 

By submitting this formal complaint through the Consumer Financial Protection Bureau, I am seeking not only resolution but accountability and fairness as afforded to me under the law. I trust that this matter will be handled professionally and in full accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this urgent matter.

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