Consumer complaint received 2025-08-07 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 formal dispute letter in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to notify you that I am a victim of identity theft. Upon reviewing my credit report, I discovered numerous fraudulent hard inquiries and unauthorized accounts that were opened or attempted without my knowledge, permission, or consent. These items have severely affected my credit profile and must be immediately investigated, verified, and deleted as required by federal law. 

Details of the Dispute I am disputing the following unauthorized hard inquiries and potentially negative accounts that have appeared on my credit file. These entries are fraudulent and were not initiated by me : Fraudulent Hard Inquiries Dates ranging from XX/XX/XXXX to XX/XX/XXXX ( visible on report ). The following entities conducted hard pulls without my knowledge or permission : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Fraudulent Accounts Reported as Negative or Charged Off The following potentially negative accounts were either opened fraudulently or have been misrepresented : XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$1700.00} Status : Charged off. {$400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$10000.00} Status : Charged off. Full balance past due. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$59000.00} Status : Open. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$55000.00} Status : Open. {$5000.00} past due. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$40000.00} Status : Open. {$4400.00} past due. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$70000.00} Status : Charged off. Full amount past due. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$32000.00} Status : Open. {$3300.00} past due. 

Formal Request for Investigation and Debt Verification As a victim of identity theft, I am exercising my right to dispute these items under the FCRA. Specifically, under : FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that you block and remove these fraudulent accounts and inquiries from my credit report immediately. The accounts and inquiries listed above were not authorized by me, and I did not open them, nor did I consent to any party accessing my credit report on those dates.

FCRA 611 ( 15 U.S.C. 1681i ) I am also requesting a complete investigation and debt verification for the above-mentioned accounts. If any of the listed furnishers can not verify these debts with signed documentation, original applications, or legally binding agreements, these accounts must be permanently removed from my credit file. Any unverifiable information must be deleted. 

Compensation for False Verification Furthermore, under : FCRA 616 ( 15 U.S.C. 1681n ) If any of the fraudulent accounts listed above are falsely verified or reported as valid despite my claim of identity theft, I reserve the right to seek statutory damages of {$1000.00} per violation, and will consider pursuing legal action against the credit bureaus and/or furnishers involved. 

Supporting Documentation Included To support my claim and assist with your investigation, I have enclosed : A copy of my government-issued photo ID ( e.g., drivers license ) A utility bill or bank statement verifying my current address A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) These documents prove my identity and my residence and support the assertion that these fraudulent accounts and inquiries were not authorized by me.

Requested Actions I am requesting the following actions be completed within the timeframe required under the FCRA : Immediate removal of all fraudulent hard inquiries and accounts listed above.

Block and delete any account reported as opened or authorized by me that can not be verified with original, signed documentation.

Provide me with a written response confirming that these inquiries and accounts have been removed.

Notify the furnishers ( banks, lenders, or financial institutions ) that these accounts were the result of identity theft and ensure they cease all further reporting. 

Send me an updated copy of my credit report reflecting the removal of all disputed and unverifiable items. 

Compliance Reminder and Legal Notice Please be advised that you are required to respond to this dispute within 30 days of receipt, per FCRA guidelines. Failure to remove fraudulent information in a timely and lawful manner will result in further steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or seeking civil remedies through legal counsel for damages incurred as a result of this identity theft and any improper handling of this dispute. 

Conclusion This identity theft has caused significant XXXX, and I am seeking immediate resolution in accordance with the protections afforded to me under federal law. The information outlined above is clear, and the documentation I have submitted proves my identity. As a consumer, I expect my rights to be upheld and these fraudulent items to be permanently removed from my credit report. 

Please send all communications in writing to the address listed above and confirm your receipt of this letter and supporting documents. 

Thank you for your prompt attention to this urgent matter.

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