Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Formal Identity Theft Dispute and Immediate Deletion Request Under FCRA 605B Unauthorized Use and Transfer of My Personal Information To Whom It May Concern, I am submitting this formal complaint and identity theft dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B and 609 ( e ). I am requesting the immediate removal and permanent blocking of fraudulent and unauthorized accounts and credit inquiries currently being reported on my credit file by Equifax, Experian, and TransUnion. 

Background : Between XXXX and XXXX, multiple entities have accessed and used my personal identifying information ( PII ) including my name, Social Security number, and credit filewithout my knowledge or authorization. While I may have entered into agreements with certain original creditors in the past, I did not authorize any of the following : The sale, transfer, or re-reporting of my identity to debt buyers, third-party data furnishers, or XXXX  collectors The re-aging or re-accessing of my credit file by companies with whom I have no direct relationship The hard inquiries or credit pulls performed by companies I never applied with This is a clear violation of FCRA 604, which limits who can access a consumers credit file, and 605B, which mandates that identity theft-related items be blocked from consumer reports within four ( 4 ) business days of receipt of a police report and FTC Identity Theft Affidavit.

Legal Basis for Removal : Under FCRA 605B, a consumer may submit : A police report identifying the unauthorized use of their identity A written statement disputing the accounts and inquiries A list of affected tradelines and entities involved Once these documents are received, the credit reporting agencies are legally required to block the reporting of such information within 4 business days unless they can prove the information is not the result of identity theft. 

I have submitted both : A valid Identity Theft Report through the FTC An official police report filed online with XXXX XXXX XXXX XXXX XXXX, XXXX  ( attached ) Disputed Tradelines and Inquiries : Equifax XXXX XXXX XXXX  {$17000.00} ( Opened XX/XX/XXXX ) XXXX XXXX {$590.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$110.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$520.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$620.00} ( Opened XX/XX/XXXX ) XXXX XXXX {$970.00} ( Opened XX/XX/XXXX ) Inquiries : XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXX {$590.00} XXXX {$110.00} XXXX  {$520.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$970.00} Inquiry : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ) Experian XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX  {$10000.00} XXXX XXXX  {$17000.00} XXXX XXXX {$520.00} XXXX XXXX XXXX {$620.00} Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) These entities are not authorized to report on my identity, and I have no relationship with these companies. They have not produced a signed agreement, permissible purpose, or evidence of authorization.

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