Consumer complaint received 2025-04-22 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: FL

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 information that appears on my credit report, which I believe to be the result of identity theft : XXXX. XXXX XXXX XXXX I Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : {$540.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : {$800.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : {$890.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$46000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Lease Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Balance : {$27000.00} These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 



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 items from my credit report.

Under FCRA 611 ( 15 U.S.C. 1681i ), I also request that these accounts be verified with valid documentation. If the furnishers and bureaus can not provide signed applications or evidence proving I authorized these accounts, they must be removed from my file permanently.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as accurate despite my identity theft claim, 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 police report A copy of my government-issued photo ID My Social Security number for verification Requested Actions : 1. Immediate blocking and deletion of all fraudulent accounts and inquiries 2. Debt verification for all disputed accounts 3. Written confirmation that these items have been deleted 4. Confirmation that furnishers have been notified to stop reporting unverifiable information 5. An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further 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