Consumer complaint received 2025-06-23 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:
Date : XX/XX/XXXX 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, open, or use. 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 accounts and inquiries, which are not mine and were fraudulently opened without my consent : XXXX XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX  Account # : XXXX Balance : {$1800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$1800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$2200.00} XXXX XXXX  Account # : XXXX Balance : {$1700.00} XXXX Account # : XXXX Balance : {$0.00} ( charged off ) XXXX XXXX  XXXX Account XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Account # : XXXX Opened XXXX XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX XXXX : {$1500.00} XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00} XXXX XXXX Account # : XXXX Balance : {$0.00} ( charged off ) XXXX  XXXX Account # : XXXX Balance : {$2500.00} XXXX XXXX Account # : XXXX Balance : {$0.00} ( charged off ) Hard inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX These accounts and inquiries were opened or occurred as a result of identity theft. I did not apply for these accounts or authorize any inquiry. 

Formal Request for Investigation and Debt Verification Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked and deleted immediately. 

Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request debt verification for all disputed accounts. Please provide documented proof such as signed contracts that I authorized these accounts. If valid evidence can not be provided, these accounts must be permanently deleted from my credit file. 

Compensation for False Verification Under FCRA 616 ( 15 U.S.C. 1681n ), I reserve my right to pursue statutory damages of {$1000.00} per violation for any false verification of these fraudulent accounts. 

Supporting Documentation I am providing : A copy of my identity theft report ( police report / FTC affidavit ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions 1 Immediate blocking and removal of all fraudulent accounts and inquiries.

2 Debt verification for each disputed account.

3 Written confirmation that these items have been deleted from my credit report.

4 Proof that furnishers have been notified and instructed to cease reporting unverifiable data.

5 An updated credit report reflecting the corrections. 

Final Note I expect written confirmation that my request has been processed as required by the FCRA. Failure to comply may result in 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