Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/2025 To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Identity Theft Victim Notification & Request for Full Report and Review Subject : Credit Report Used by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX ( Dated XX/XX/2025 ) To Whom It May Concern, I am writing to notify you that I am a victim of identity theft and to request that XXXX XXXX XXXXXXXX XXXX XXXX XXXX take immediate action to review and correct any data associated with me that may be inaccurate, outdated, or fraudulently derived. 

On XX/XX/2025, XXXX denied my credit application using a report and score supplied by your agency, which reflected an unusually low credit score of XXXX. This information does not reflect my legitimate credit profile and is clearly influenced by identity theft and compromised data. 




BACKGROUND OF IDENTITY THEFT : My full identityincluding my name, date of birth, Social Security number, mothers maiden name, addresses, phone numbers, and email addresseshas been found on the dark web and is confirmed as compromised. 
I have formally reported this identity theft to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Federal Trade Commission ( FTC ) XXXX report filed Social Security XXXX XXXX, Experian, and XXXX  All have fraud alerts in place on my accounts POLICE-ADVISED SECURITY MEASURES : Due to ongoing threats to my identity and sensitive information, I routinely change my phone numbers and email addresses, as recommended by the XXXX XXXX Police Department to protect against continued misuse. These changes should not be interpreted as risky or suspicious behavior in credit models. 

Your credit score stated that one factor was : Consumer associated with phone changes Limited history for consumer at this phone These are security-driven changes made for my own protection and should not penalize or lower my creditworthiness, especially in the context of an open identity theft case. 




FORMAL REQUESTS UNDER THE FCRA : Provide a full and detailed copy of the consumer report and credit score you supplied to XXXX, including all associated data ( addresses, phones, inquiries, etc. ) Reinvestigate and remove any data or risk factors related to identity theft or protective measures I have taken. 
Flag my file as affected by identity theft. 
Retain and consider the enclosed police report as part of your investigation and verification process. 
If needed, contact XXXX XXXX XXXX XXXX XXXX XXXXXXXX Police Department for verification. I will also forward any new findings to the detective for further investigation. 




Please confirm in writing that my request and documentation have been received and that you are processing my report and initiating a reinvestigation. 

Sincerely, 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