Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and hard inquiries on my credit report that I did not authorize, did not open, and have no affiliation with. These entries are damaging my credit and must be removed immediately under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Disputed Items on My Credit Report Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never applied for credit with these institutions and did not authorize these inquiries or accounts. These are fraudulent and must be removed.

Legal Basis Under the Fair Credit Reporting Act ( FCRA ) 1. Identity Theft Blocking FCRA 605B ( 15 U.S.C. 1681c-2 ) I am requesting the immediate blocking and deletion of all accounts and inquiries resulting from identity theft. 
Upon receipt of an identity theft report, the credit bureau must block the information within 4 business days.

2. Reasonable Investigation FCRA 611 ( 15 U.S.C. 1681i ) I am formally disputing these accounts and expect a reasonable reinvestigation by the credit reporting agencies. If verification can not be completed, the accounts must be deleted within 30 days.

3. Disclosure of File and Sources FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) I demand a full disclosure of : All documentation used to verify these accounts The source ( s ) of the information Names of entities that pulled my credit 4. Accuracy Obligations FCRA 602 ( A ), 607 ( b ), 623 ( a ) ( XXXX ) ( A ) Credit bureaus and furnishers are legally obligated to maintain maximum possible accuracy. If an item can not be proven with valid documentation ( i.e., signed contracts ), it must be removed.

5. Duties of Furnishers FCRA 623 ( b ) ( 1 ) Furnishers must investigate disputes reported to them and correct or delete inaccurate or unverifiable data from all consumer reporting agencies.

6. Fraud Alerts FCRA 605A ( 15 U.S.C. 1681c-1 ) If not already placed, I request a fraud alert be added to my file for at least one year, as allowed by law.

7. Civil Liability for Noncompliance FCRA 616 ( 15 U.S.C. 1681n ) & 617 ( 15 U.S.C. 1681o ) If any party fails to correct or delete inaccurate information after proper notification, I may seek : Statutory damages of {$1000.00} per violation Actual damages for harm caused Punitive damages Attorneys fees and court costs Supporting Documentation Attached : Government-issued photo ID Proof of current address ( utility bill/bank statement ) Identity Theft Report ( FTC affidavit or police report ) Requested Actions : Block and remove all fraudulent accounts and hard inquiries listed above Verify all debts with signed documentation ( no electronic or verbal agreements accepted ) Provide written confirmation of all deletions or corrections made Notify all furnishers to cease reporting unverifiable data Provide a free updated copy of my credit report once corrections are made Please be advised this is a formal FCRA dispute and notice of identity theft. I expect action within the timeframes required by federal law. Failure to comply will result in complaints filed with the CFPB, FTC, state attorney general, and/or 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