Consumer complaint received 2025-07-11 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 a victim of identity theft. The following accounts and inquiries were fraudulently opened or initiated without my knowledge, authorization, or consent. Despite submitting an FTC Identity Theft Report and notifying the credit reporting agencies, these inaccurate items continue to appear on my credit report, significantly harming my creditworthiness, emotional well-being, and financial stability. 
Creditor Account Number Discovered Violation 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 : Requires credit bureaus to block any information resulting from identity theft within XXXX business days after receiving a valid identity theft report and written statement. Failure to do so is a violation of the statute. 

2. FCRA 604 ( a ) ( 3 ) : Credit reports may only be accessed for legally permissible purposes. Unauthorized hard inquiries violate this section and may constitute willful noncompliance under FCRA 616 and 617.

3. FCRA 611 ( 15 U.S.C. 1681i ) : Consumer reporting agencies must reinvestigate disputed information within 30 days and delete unverifiable or inaccurate data. Reinserted data must include a XXXX written notice identifying the furnisher and reason for reinsertion under 611 ( a ) ( 5 ) ( B ).

4. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report disputed fraudulent accounts after receiving notice from the consumer and the CRA violates this section.

5. FDCPA 809 ( 15 U.S.C. 1692g ) : If any of these fraudulent accounts have been transferred to a debt collector, they must cease collection activity until the debt is validated. Continuing to pursue collection after identity theft has been reported is illegal. 



Desired Resolution ( Fair Outcome Requested ) I respectfully demand the following actions be taken to correct this unlawful and damaging situation : 1. Immediate deletion of all fraudulent accounts and inquiries listed above under FCRA 605B and 604. 
XXXX. Permanent blocking of the fraudulent data from reappearing on any of my credit files. 
XXXX. Written confirmation that the above items have been removed, and that no further collection or reporting will be made related to them. 
XXXX. Investigation into how these entities accessed my credit without consent, and assurance of safeguards to prevent future unauthorized access. 
XXXX. If any collections are associated with the fraudulent accounts, I request that the collection accounts be deleted and any reporting cease permanently under FDCPA 1692g.

6. I request monetary penalties or corrective action where appropriate under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ).

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