Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a direct result of this crime, there are multiple fraudulent accounts and/or unauthorized inquiries appearing on my credit report, all of which I did not authorize, apply for, or open. This is a serious matter that has caused significant harm to my credit profile, personal reputation, and financial stability. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally requesting that these items be investigated thoroughly, verified with documented evidence, and removed from my credit file immediately. 

This statement serves as an official dispute of these items and a demand for corrective action as allowed under the FCRA. It is imperative that the Consumer Financial Protection Bureau, the credit reporting agencies, and any relevant furnishers of information take immediate steps to rectify these issues. 

Details of the Dispute : Creditor Name : XXXX  XXXX Account Number : XXXX Account Type : Business Card Date Opened : XX/XX/XXXX Status : Open I did not open this account, authorize its creation, or benefit in any way from its use. It was opened without my consent using stolen personal information. 

Creditor Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Open. {$930.00} past due as of XX/XX/XXXX I did not open this account, authorize its creation, or benefit in any way from its use. It was opened without my consent using stolen personal information. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX I did not open this account, authorize its creation, or benefit in any way from its use. It was opened without my consent using stolen personal information. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX I did not open this account, authorize its creation, or benefit in any way from its use. It was opened without my consent using stolen personal information. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off. {$1100.00} written off. 
I did not open this account, authorize its creation, or benefit in any way from its use. It was opened without my consent using stolen personal information. 

Creditor Name : XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX I did not open this account, authorize its creation, or benefit in any way from its use. It was opened without my consent using stolen personal information. 

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 accounts and any related inquiries from my credit file. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I demand full debt verification for each of the disputed accounts. Debt verification must include original signed contracts, account applications, or other verifiable proof linking me to these accounts. If no such evidence exists, the accounts must be permanently deleted.

Compensation for False Verification : If any account is falsely verified as valid despite my documented identity theft claim, I will consider this a willful violation of the FCRA. Per FCRA 616 ( 15 U.S.C. 1681n ), I am entitled to statutory damages of {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees if applicable. 

Supporting Documentation : To assist in your investigation, I have included the following documents : 1. A copy of my identity theft report ( police report and/or FTC Identity Theft Affidavit ).

2. A copy of my government-issued photo identification.

3. Proof of my current address ( utility bill, bank statement, or similar ).

4. Any correspondence or documentation related to these fraudulent accounts.

Requested Actions : 1. Immediate blocking and removal of all fraudulent accounts and inquiries.

2. Complete debt verification for all disputed accounts.

3. Written confirmation that the fraudulent items have been deleted.

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

5. An updated credit report reflecting these corrections.

I expect confirmation in writing that my request has been processed in compliance with the FCRA. Failure to comply will result in escalation, including possible legal action. This statement is submitted in good faith to protect my rights and to restore the accuracy and integrity of my credit report. 
Legal Background and Consumer Rights : The Fair Credit Reporting Act provides specific protections for consumers who are victims of identity theft. Under 605B, a consumer reporting agency must block the reporting of information that a consumer identifies as resulting from identity theft, not later than 4 business days after receipt of proof of identity, a copy of an identity theft report, and identification of the information to be blocked. Under 611, the agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and must record the current status of the disputed information or delete the item from the file before the end of the 30-day period beginning on the date the agency receives the notice of the dispute. 

As a consumer, I am exercising these rights to ensure that my credit file is free from inaccurate, fraudulent, and damaging information. The continued presence of these fraudulent accounts is not only a violation of the FCRA but also a significant barrier to my financial well-being.

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