Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a victim of ongoing identity theft that began in or around XXXX. Multiple unauthorized accounts, fraudulent inquiries, and derogatory items have been placed on my credit file without my knowledge, consent, or authorization. I have filed an official FTC Identity Theft Report ( Report # XXXX, dated XX/XX/XXXX ) documenting these fraudulent accounts. The following specific violations have occurred : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( {$23000.00} reported as Collection/Chargeoff on Experian only ) This account was fraudulently opened and is being reported exclusively by Experian. XXXX and XXXX are NOT reporting this account, making it inherently unverifiable and inaccurate. This account has been removed from my credit report and illegally reinserted multiple times without the required 5-business-day written notice to me, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Each reinsertion is a separate willful violation. The fraudulent amount is {$25000.00}. This account is listed on my FTC Identity Theft Report. XXXX. XXXX XXXX XXXX Account # XXXX ( {$18000.00} reported as Collection/Chargeoff ) This fraudulent auto loan account has been removed from Experians report and reinserted multiple times without my consent or proper notice. Experian is the ONLY bureau reporting this account. XXXX previously showed this account as disputed with reinvestigation in progress, confirming the data is contested and unverifiable. This account appears on my FTC Identity Theft Report. Each unauthorized reinsertion constitutes a willful violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 15 U.S.C. 1681c-2. 3. FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX This address does not belong to me and has never been my residence. It appears on my Experian and XXXX files and is confirmed as fraudulent personal information on my FTC Identity Theft Report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, verified by my Colorado Drivers License and XXXX XXXX utility bill. This fraudulent address is being used as an anchor to attach unauthorized accounts and inquiries to my file. XXXX. XXXX XXXX Late Payments Reported in Violation of 15 U.S.C. 1666 ( b ) Late payments have been reported on this account across all three bureaus. Under federal law ( 15 U.S.C. 1666 ( b ) ), a creditor is prohibited from treating a payment as late if the periodic statement was not delivered at least 21 days before the due date. No proof of timely statement delivery has ever been provided. These late payment notations are unlawful and must be removed. 5. UNAUTHORIZED INQUIRIES XXXX ( XXXX, XX/XX/XXXX ), XXXX ( XXXX, XX/XX/XXXX ), XXXX ( Experian & XXXX, XX/XX/XXXX ) I did not authorize any of these entities to access my consumer credit file. Under 15 U.S.C. 1681b, a consumer report may only be accessed for a permissible purpose with documented consumer consent. These unauthorized hard inquiries are damaging my credit scores and must be immediately removed from all bureau files. 6. SUSPECT INFORMATION The identity thief has been identified as XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, email : XXXX, phone : XXXX. This information is documented in my FTC Identity Theft Report # XXXX. I have submitted formal written disputes to all three credit bureaus ( XXXX, Experian , and XXXX ) via certified mail citing violations of the FCRA ( 15 U.S.C. 1681 et seq. ), FDCPA ( 15 U.S.C. 1692 et seq. ), and 15 U.S.C. 1681c-2, which requires bureaus to block fraudulent information within 4 business days of receiving an Identity Theft Report. The bureaus have failed to comply.

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