Consumer complaint received 2025-04-18 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 formal complaint to report that I am a victim of identity theft. As a result, fraudulent accounts and credit inquiries have appeared on my credit report without my knowledge or authorization. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally requesting that these items be investigated, verified, and permanently removed from my credit file. 



Details of the Dispute : The following entries on my Experian credit report are not authorized by me and are the result of identity theft : XXXX. XXXX XXXX XXXX ( original creditor : XXXX XXXX  ) Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$4900.00} Status : Collection account, marked past due as of XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Credit Card ) Date Opened : XX/XX/XXXX Original Balance : {$5000.00} Status : Charged off with {$4600.00} past due XXXX. XXXX XXXX XXXX XXXX ( Auto Loan ) Date Opened : XX/XX/XXXX Original Balance : {$16000.00} Status : Redeemed repossession, charged off with entire balance past due XXXX. XXXX, XXXX. 
Date Opened : XX/XX/XXXX Status : Paid, Closed Although closed, I believe this account was also opened fraudulently XXXX. XXXX  ( Hard Inquiry ) Inquiry Date : XX/XX/XXXX Type : Mortgage Reporters I did not authorize this inquiry nor apply for any mortgage These accounts and inquiries were not initiated by me, and I did not give anyone permission to use my name, Social Security number, or personal information to apply for credit. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete the above items from my report as they are the result of identity theft.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for all disputed accounts. This includes documented proof such as signed applications, agreements, or other verifiable evidence that I authorized these accounts. If such proof can not be provided, these items must be permanently removed from my credit report. 



Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as accurate despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 



Supporting Documentation Provided : Police Report or FTC Identity Theft Affidavit Government-issued ID Proof of current address ( utility bill, bank statement, etc. ) Requested Actions : 1. Immediate removal of all fraudulent accounts and inquiries listed above 2. Debt verification for each disputed account 3. Written confirmation of deletions from all credit bureaus 4. Confirmation that the furnishers of the accounts have been notified and instructed to cease reporting unverifiable information 5. An updated and corrected copy of my credit report I request that this matter be resolved urgently and in full compliance with FCRA regulations. Please confirm all actions taken in writing. Failure to act may result in escalation and 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