Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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/or inquiries on my credit report that I did not authorize, initiate, or open. These accounts were established using my personal identifying information without my knowledge or consent. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately from my credit reports with all consumer reporting agencies. I am also requesting that the furnishers of the fraudulent accounts be notified and instructed to cease all reporting of unverifiable or false information. 

Details of the Dispute The following accounts and inquiries currently appear on my credit report and are being disputed as the direct result of identity theft. I have never applied for, opened, used, or authorized any of the accounts listed below. At no point did I give permission to any person or entity to establish these accounts in my name. 

Fraudulent Accounts Identified Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid in settlement Responsibility : Individual Reason for Dispute : I have never applied for or maintained any account with XXXX XXXX XXXX  XXXX. The account was opened without my authorization and is the result of identity theft. 

Creditor Name : XXXX Account Number  ( Partial ) : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Paid in settlement Responsibility : Individual Reason for Dispute : I did not open or authorize this XXXX account. This account was fraudulently opened and added to my credit profile without consent. 

Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
Responsibility : Individual Reason for Dispute : I never applied for or authorized this account. I am not responsible for the reported debt, and it must be removed under FCRA 605B. 

Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off. {$14000.00} written off. 
Responsibility : Individual Reason for Dispute : I have never entered into a financial relationship with XXXX XXXX XXXX. This account was fraudulently opened in my name without my consent. 

Creditor Name : XXXX  XXXX Account Number ( Partial ) : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Paid, Closed. {$7800.00} written off. 
Responsibility : Individual Reason for Dispute : This is not my account. I have no record of applying for or authorizing credit with XXXX XXXX. 

Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off. {$17000.00} written off. 
Responsibility : Individual Reason for Dispute : I did not apply for, open, or authorize this account. It is the result of identity theft. 

Unauthorized Hard Inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX On Record Until : XX/XX/XXXX Reason for Dispute : This inquiry was not authorized by me. I have never applied for credit with XXXX, and the inquiry must be removed under FCRA provisions protecting consumers from unauthorized access to their credit files. 

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

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for each disputed account. This requires that the credit bureaus and the furnishers of the information provide documented proof that I authorized these accounts. Acceptable proof includes, but is not limited to : A signed contract or credit application bearing my authentic signature Verification of the IP address, geolocation, and device used for account origination Original documentation demonstrating that I personally initiated the application and account activity If such documentation can not be provided, the accounts must be permanently deleted from my credit file, and all related derogatory information must be removed. 

Compensation for False Verification Pursuant to FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts are falsely verified as accurate despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation, plus any applicable actual damages, court costs, and attorneys fees. 

Supporting Documentation Provided To assist in your investigation and to fulfill the legal requirements for blocking fraudulent information under FCRA, I am providing the following : A copy of my official identity theft report ( police report and/or FTC Identity Theft Affidavit ) A clear copy of my government-issued identification Proof of my current mailing address ( recent utility bill or bank statement ) Screenshots or documents from my credit report showing the disputed accounts and inquiries Requested Actions I am requesting that you take the following actions without delay : Immediate blocking and removal of all fraudulent accounts and unauthorized inquiries from my credit report. 

Full debt verification for all disputed accounts, with written proof of my consent to the accounts. 

Written confirmation that these fraudulent items have been permanently deleted from my report. 

Proof of notification to furnishers that they are to cease reporting any unverifiable or false information to the credit bureaus. 

An updated copy of my credit report reflecting the requested corrections. 

Expectations for Compliance I expect written confirmation that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action, including the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state of residence. 

I am documenting all correspondence related to this matter. Please direct all written responses to my mailing address or designated secure email address. 

By submitting this statement and accompanying documentation, I am exercising my rights as a consumer to protect the accuracy and integrity of my credit history. The presence of fraudulent accounts and inquiries is causing harm to my creditworthiness and financial standing, and I demand prompt resolution.

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