Consumer complaint received 2025-10-15 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 inquiries appearing on my Experian credit report that I did not authorize, open, or consent to in any way. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and respectfully requesting that these accounts and inquiries be thoroughly investigated, verified, and permanently removed from my credit file. 

I take this matter seriously because the presence of these fraudulent accounts has caused significant harm to my credit reputation and personal life. I am submitting this statement as part of my official complaint and investigation request with the Consumer Financial Protection Bureau ( CFPB ). I am also providing supporting documentation, including my government-issued identification, proof of address, and a copy of my identity theft report filed with law enforcement. 



Details of the Dispute After reviewing my Experian credit report in detail, I identified several unauthorized credit inquiries and potentially negative accounts that I did not open or approve. These accounts were likely established using my stolen personal information without my consent. 

The following inquiries are fraudulent and must be deleted immediately : XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX, listed to remain until XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX XXXXl Multiple inquiries on XX/XX/XXXX and XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Multiple XXXX on XX/XX/XXXX and XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX via Dealer Multiple inquiries on XX/XX/XXXX and XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX, listed until XX/XX/XXXX XXXX. XXXX/ XXXX XXXX Inquired on XX/XX/XXXX, listed until XXXX XXXX 10. XXXX Inquired on XX/XX/XXXX, listed until XX/XX/XXXX I did not apply for any credit, loans, or automobile financing during this time frame. These inquiries all occurred within a short window in XXXX and XX/XX/XXXX, suggesting that someone used my personal informationlikely including my name, address, or Social Security numberto apply for auto financing or related credit products. I have no relationship with these entities and never granted permission for any credit check or loan application. 

The following potentially negative accounts also appear to be fraudulent and must be removed : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Status : Charged off, {$1500.00} written off, {$150.00} past due as of XX/XX/XXXX XXXX. Colony / XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Charged off, {$1200.00} written off, {$140.00} past due as of XX/XX/XXXX XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} Status : Charged off, {$13000.00} written off, {$7000.00} past due as of XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off, {$150.00} written off I did not open, authorize, or co-sign for any of these accounts. I have never conducted business with these companies, nor do I have any legitimate debt or credit relationship with them. These fraudulent accounts have significantly damaged my creditworthiness and misrepresent my financial history. 



Formal Request for Investigation and Verification Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right as an identity theft victim to request that the credit reporting agencies immediately block and delete all fraudulent accounts and inquiries from my credit report. These items were established or accessed through the misuse of my personal identifying information without my authorization.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all accounts listed above. I am demanding that both Experian and the furnishers provide legitimate, documented proof that I personally authorized, signed for, or benefitted from these accounts. Valid evidence must include a signed contract, application, or similar document clearly bearing my verified signature and personal information.

If such documentation can not be provided within the required timeframe under federal law, these accounts must be permanently deleted from my credit file. Any unverifiable or falsely verified debts are considered violations of my consumer rights under the FCRA.

Compensation and Legal Accountability for False Verification As established under FCRA 616 ( 15 U.S.C. 1681n ), if any account or inquiry is falsely verified as valid despite my legitimate identity theft claim, I reserve the right to pursue statutory damages of {$1000.00} per violation. Continued reporting of fraudulent or unverifiable data constitutes willful noncompliance with federal law and may lead to further legal remedies and enforcement actions through the CFPB.

Supporting Documentation To support this claim and assist with verification, I am including the following documents : A copy of my government-issued photo ID ( drivers license ). A copy of my police report FTC Identity Theft Affidavit documenting the identity theft incident These materials serve as verification of my identity and evidence that I am the rightful consumer disputing fraudulent activity.

Requested Actions I am requesting the following corrective actions from Experian and all involved furnishers : 1. Immediate removal and permanent blocking of all fraudulent accounts and unauthorized inquiries listed in this dispute.

2. Full debt verification for each disputed item, including signed applications and contracts.

3. Written confirmation that each fraudulent item has been deleted or blocked from my credit report.

4. Notification to furnishers instructing them to cease reporting unverifiable or fraudulent information to any credit bureau.

5. An updated copy of my credit report reflecting the deletion of all fraudulent accounts and inquiries.

I expect written confirmation that my dispute has been processed in accordance with the Fair Credit Reporting Act. Please ensure that all correspondence related to this matter is sent to my current address.

Closing Statement I am submitting this statement in good faith to protect my consumer rights, restore my credit accuracy, and prevent further misuse of my personal information. I trust that the CFPB and Experian will handle this matter promptly and in compliance with all federal consumer protection standards.

Please be advised that failure to take appropriate action under the Fair Credit Reporting Act may result in escalation of this complaint to include formal legal proceedings or enforcement actions. 

Thank you for your time and attention to this matter. I look forward to receiving written confirmation once the fraudulent items have been removed and verified corrections are made to my report.

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