Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX Account Type : Credit Card Status : Fraudulent / Identity Theft Balance : {$1100.00} Date Opened by Thief : XX/XX/XXXX Discovered : XX/XX/XXXX FTC Report Number : XXXX Police Report : Filed with XXXX XXXX, tracking # XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Status : Charge-Off / Identity Theft Balance : {$2100.00} Date Opened by Thief : XX/XX/XXXX Discovered : XX/XX/XXXX FTC Report Number : XXXX Police Report : Filed with XXXX XXXX XXXX tracking # XXXXXX/XX/XXXX Account Type : Credit Card Status : Late Payments XX/XX/XXXXXXXX XXXX Account Type : Credit Card Status : Fraudulent / Identity Theft Balance : {$1100.00} Date Opened by Thief : XX/XX/XXXX Discovered : XX/XX/XXXX FTC Report Number : XXXX Police Report : Filed with XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Status : Charge-Off / Identity Theft Balance : {$2100.00} Date Opened by Thief : XX/XX/XXXX Discovered : XX/XX/XXXX FTC Report Number : XXXX Police Report : Filed with XXXX XXXX, tracking XXXX XXXXXX/XX/XXXXAccount Type XXXX Credit Card Status : Late Payments XX/XX/XXXXXXXX XXXX Account Type : Credit Card Status : Fraudulent / Identity Theft Balance : {$1100.00} Date Opened by Thief : XX/XX/XXXX Discovered : XX/XX/XXXX FTC Report Number : XXXX Police Report : Filed with XXXX XXXX, tracking XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Status : Charge-Off / Identity Theft Balance : {$2100.00} Date Opened by Thief : XX/XX/XXXX Discovered : XX/XX/XXXX FTC Report Number : XXXX Police Report : Filed with XXXX XXXX, tracking # XXXX XXXX XXXXXX/XX/XXXX Account Type : Credit Card Status : Late Payments I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I presume that no Proof of the alleged debt, nor therefore any such debt, in fact thereof exist

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