Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
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 inquiries on my credit report that I did not authorize or initiate. 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 inquiries that appear on my Experian credit report. These were made without my knowledge or consent, and I did not authorize anyone to open or apply for credit on my behalf : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ( XXXX XXXX ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Dates : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX ( Mortgage Reporter ) Inquiry Dates : XX/XX/XXXXXXXX XXXX  These inquiries are not mine. I did not apply for any credit with these institutions on or near the listed dates, nor have I had any legitimate contact or transactions with them. 

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 the above-listed fraudulent inquiries from my report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting verification for each disputed inquiry. This means the furnishers and credit bureaus must provide documented evidence showing that I personally initiated these inquiries. If no proofsuch as a signed application or verifiable requestcan be presented, the inquiries must be permanently deleted from my credit file. 

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any of these inquiries are falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation, and I reserve the right to pursue further legal action. 

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report and/or FTC Identity Theft Affidavit ) A copy of my government-issued photo ID Proof of my current address ( such as a utility bill or bank statement ) Requested Actions : Immediate deletion of all the above-listed fraudulent inquiries from my credit report. 

Verification documentation proving I authorized each inquiry, or removal if no proof exists. 

Written confirmation that the fraudulent inquiries have been removed. 

Notification to all inquiry furnishers to cease reporting any unauthorized data. 

An updated copy of my credit report showing the removal of these inquiries. 

I expect a written confirmation that my identity theft dispute has been processed in accordance with the FCRA. Failure to comply will result in additional action being taken to enforce my rights under 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