Consumer complaint received 2025-04-15 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: MN

Complaint narrative:
I 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 accounts appearing on my credit report, which I believe to be the result of identity theft : XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Type : Charged-Off Date Opened : XX/XX/XXXX Balance : {$650.00} Status : Account charged off. {$650.00} written off. 
XXXX. Creditor Name : XXXX XXXX XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Collection account. {$490.00} past due as of XX/XX/XXXX. 
XXXX. Creditor Name : Dept of EdXXXX XXXX  Three separate entries ) Account Type : Student Loan Date Opened : XX/XX/XXXX and XX/XX/XXXX Status : Paid, Closed These accounts were not opened or authorized by me. I did not give consent for anyone to use my personal information to create or manage these accounts. I have no knowledge of any agreements or transactions associated with these creditors. 



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 accounts from my credit report.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification. This includes requiring the furnishers and credit reporting agencies to provide documented proof such as a signed application or agreement showing that I authorized the accounts. If this proof can not be produced, these accounts must be permanently removed from all credit files.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any of these fraudulent accounts are falsely verified despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation Provided : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Proof of my current address ( utility bill, lease, or bank statement ) Requested Actions : XXXX Immediate blocking and permanent deletion of all fraudulent accounts and inquiries listed above. 
XXXX. Full debt verification from the furnishers of each account. 
XXXX. Written confirmation that these accounts have been removed from all credit reports. 
XXXX. Documentation proving the furnishers were notified and instructed to cease reporting unverifiable information. 
XXXX. A new copy of my credit report reflecting these corrections. 

I request written confirmation that this dispute has been processed in compliance with the FCRA. Failure to comply may result in legal action for damages under applicable federal 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