Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am writing to formally dispute the claim that the debts associated with my identity were verified. I am a victim of identity theft, and the debts in question were not incurred by me. As such, I am requesting that you provide the specific documentation used to verify these debts and to prove that I am legally responsible for them. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of debts that are alleged to be mine. A vague confirmation of verification is insufficient. Therefore, I am requesting the actual names of the documents used in the verification process and copies of the following : 1. A copy of any original signed contract or application bearing my signature.

2. A detailed billing statement or account statement showing the transactions that led to the debt, including dates and amounts.

3. Any proof of identity used to open or maintain the account, including identification documents, IP address logs, or phone numbers associated with the account.

4. Any investigative report or internal review process you conducted to determine the debt was validly mine.

5. A copy of the fraud investigation file if one was opened upon my report of identity theft. 

As a victim of identity theft, I have a right to be fully informed of the evidence used to associate me with these debts. If you can not provide the above documentation, I request that these accounts be removed from my credit report and all collection efforts cease immediately. 

Please consider this a formal request for verification under federal law. If I do not receive a complete response within 30 days, I will consider further actions including complaints with the FTC, state attorney general, and additional legal counsel. 

am writing to formally dispute the claim that the debts associated with my identity were verified. I am a victim of identity theft, and the debts in question were not incurred by me. As such, I am requesting that you provide the specific documentation used to verify these debts and to prove that I am legally responsible for them. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of debts that are alleged to be mine. A vague confirmation of verification is insufficient. Therefore, I am requesting the actual names of the documents used in the verification process and copies of the following : 1. A copy of any original signed contract or application bearing my signature.

2. A detailed billing statement or account statement showing the transactions that led to the debt, including dates and amounts.

3. Any proof of identity used to open or maintain the account, including identification documents, IP address logs, or phone numbers associated with the account.

4. Any investigative report or internal review process you conducted to determine the debt was validly mine. 
5. A copy of the fraud investigation file if one was opened upon my report of identity theft.

As a victim of identity theft, I have a right to be fully informed of the evidence used to associate me with these debts. If you can not provide the above documentation, I request that these accounts be removed from my credit report and all collection efforts cease immediately. 

Please consider this a formal request for verification under federal law. If I do not receive a complete response within 30 days, I will consider further actions including complaints with the FTC, state attorney general, and additional legal counsel. 


ACCOUNTS TO BE REMOVED : 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

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