Consumer complaint received 2025-04-09 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 statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inaccurate information 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 either the result of identity theft or incorrect reporting : 1. XXXX. XXXX XXXX Accounts Account # XXXX | Opened : XX/XX/XXXX | Balance : {$16000.00} Account # XXXX | Opened : XX/XX/XXXX | Balance : {$3700.00} Account # XXXX | Opened : XX/XX/XXXX | Balance : {$3500.00} Account # XXXX | These XXXX XXXX accounts do not belong to me. I have never applied for or received any federal XXXX XXXX. I believe they were fraudulently opened using my identity without my knowledge or consent. They are causing serious damage to my creditworthiness and must be removed immediately. 
2. XXXX XXXX Late Payment Reporting Opened : XX/XX/XXXX Status : Open | {$250.00} past due as of XX/XX/XXXX Last Payment Made : XX/XX/XXXX Balance : {$6700.00} | Credit Limit : {$5100.00} This account is inaccurately reporting a late payment for XX/XX/XXXX. I made consistent payments and did not miss a due date. The past due reporting is in error and misrepresents my payment history. I am requesting that this negative remark be corrected or removed entirely. 



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 these fraudulent XXXX. XXXX  XXXX accounts from my report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I am also requesting debt verification for the disputed XXXX account. The furnisher must provide valid proof such as payment history or contract documentation confirming the legitimacy of the alleged delinquency. If this can not be verified, it must be deleted under the law. 



Compensation for False Verification : According to FCRA 616 ( 15 U.S.C. 1681n ), if any disputed item is falsely verified as accurate without proper validation, I am entitled to statutory damages of {$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 or FTC affidavit ) A copy of my government-issued ID Proof of my current address Requested Actions : 1. Immediate blocking and removal of all fraudulent accounts ( XXXX. XXXX XXXX ). 
2. Correction or removal of the inaccurately reported late payment from XXXX. 
3. Full debt verification for the XXXX account and all disputed items.

4. Written confirmation that the fraudulent items have been deleted from my report.

5. Proof that furnishers were notified to cease reporting unverifiable data.

6. An updated credit report showing all corrections made. 



I expect confirmation in writing that my request has been processed in full compliance with the FCRA. Failure to comply may result in further legal action, including complaints filed with the CFPB or state Attorney General. 

Thank you for your prompt attention to this matter.

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