Consumer complaint received 2025-04-07 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 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 : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) ** - Date Opened : XX/XX/XXXX - Balance : {$4400.00} - Status : Closed - Account Type : XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** - Date Opened : XX/XX/XXXX - Balance : {$7800.00} - Status : Closed - Account Type : XXXX XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) ** - Date Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX XXXX XXXX - Balance : {$310.00} - Status : Collection account - Last Updated : XX/XX/XXXX These accounts 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 XXXX ( XXXX U.S.C. XXXX ) **, I am requesting that the credit reporting agencies immediately **block and delete** these fraudulent items from my report. 

In addition, under **FCRA XXXX ( XXXX U.S.C. XXXXi ) **, 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 XXXX ( XXXX U.S.C. XXXXn ) **, 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 - Proof of my current address ( utility bill, bank statement, etc. ) -- - # # # **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