Consumer complaint received 2025-03-11 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: MN

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 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 accounts and inquiries that appear on my credit report, all of which are fraudulent and were opened without my consent : XXXX XXXX XXXX XXXX Account XXXX XXXX {$100.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX {$370.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX {$2100.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX {$660.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX {$840.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX {$170.00} Reported on XX/XX/XXXX These accounts do not belong to me. I have never opened or authorized any of the above-listed accounts. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking and deletion of these fraudulent accounts from my credit report. 

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification for these accounts. You are required to provide documented proof that I authorized these accounts, including signed agreements or contracts. If you can not verify the debts, they must be permanently removed from my report. 

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

Supporting Documentation : I have attached the following documents to support my claim : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following : 1. Immediate blocking and deletion of all fraudulent accounts and inquiries listed above. 
XXXX. Debt verification for all disputed accounts. 
XXXX. Written confirmation that the fraudulent items have been removed from my credit report. 
XXXX. Notification to all furnishers associated with these accounts, instructing them to cease reporting any unverifiable information. 
XXXX. An updated copy of my credit report reflecting these corrections. 

Please confirm in writing that my request has been processed according to the FCRA. If you fail to comply with these legal requirements, I will explore further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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