Consumer complaint received 2025-05-15 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:
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/or inquiries on my credit report that I did not authorize or open. 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 information that appears on my credit report, which I believe to be the result of identity theft : | Inquiry Name | Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX, I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

In addition, under XXXX XXXX FCRA 611 ( 15 U.S.C. 1681i ) XXXX XXXX, I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidence such as a signed contract or agreement the accounts must be permanently removed from my credit file. 

Compensation for False Verification : As stated in XXXX XXXX FCRA 616 ( 15 U.S.C. 1681n ) XXXX XXXX, if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of XXXX XXXX XXXX {$1000.00} per violation Supporting Documentation : I have included the following documents to support my claim : * A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) * A copy of my government-issued ID * Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following : XXXX. Immediate blocking and removal of all fraudulent accounts and inquiries. 
XXXX. Debt verification for all disputed accounts. 
XXXX. Written confirmation that the fraudulent items have been deleted from my report. 
XXXX. Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information. 
XXXX. An updated copy of my credit report reflecting these corrections. 

XXXX XXXX  I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

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