Consumer complaint received 2025-04-14 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:
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 report, which I believe to be the result of identity theft : 1. Creditor Name : XXXX XXXX XXXX XXXX  Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : {$0.00} Original Balance : {$4500.00} Terms : 120 Months Responsibility : Individual 2. Creditor Name : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession. {$20000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$20000.00} Original Balance : {$32000.00} Responsibility : Individual 3. Creditor Name : XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$200.00} Credit Limit : {$200.00} Responsibility : Individual These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 



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 these fraudulent items from my credit report. 

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file. 



Compensation for False Verification : As 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. 



Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Requested Actions : I am requesting the following : 1. Immediate blocking and removal of all fraudulent accounts and inquiries. 
2. Debt verification for all disputed accounts. 
3. Written confirmation that the fraudulent items have been deleted from my report. 
4. Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information. 
5. An updated copy of my credit report reflecting these corrections. 



I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal 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