Consumer complaint received 2025-07-08 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 unauthorized credit inquiries on my credit report that I did not open, authorize, or have any involvement with. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and am requesting that these items be thoroughly investigated, verified, and removed immediately from all credit reporting agencies. 

# # # * * Details of the Dispute : * * I am disputing the following entries on my credit report that I believe to be a direct result of identity theft. These accounts were opened fraudulently using my stolen personal information without my knowledge or permission : -- - * * XXXX. Creditor Name : * * XXXX XXXX XXXXXXXX * * Account Number : * * XXXX * * Account Type : * * Auto Loan * * Date Opened : * * XX/XX/XXXX * * Status : * * Charged Off \ {$10000.00} Past Due * * Responsibility : * * Joint with XXXX XXXX I did not authorize or apply for this auto loan, nor do I have any association with XXXX XXXX. This joint account was opened without my consent and added to my report fraudulently. 

-- - * * XXXX. Creditor Name : * * XXXX  * * Account Number : * * XXXX * * Account Type : * * Unsecured Loan * * Date Opened : * * XX/XX/XXXX * * Status : * * Charged Off \ {$5500.00} Written Off * * Responsibility : * * Joint with XXXX XXXX XXXX Again, I never applied for this loan and do not have any financial or personal relationship with XXXX XXXX XXXX. This account was established using stolen credentials and should be removed immediately. 

-- - * * XXXX. Creditor Name : * * XXXX XXXXXXXX XXXX * * Account Number : * * XXXX * * Account Type : * * Unsecured Loan * * Date Opened : * * XX/XX/XXXX * * Status : * * Open \ {$700.00} Past Due * * Responsibility : * * Signer with XXXX XXXX This is another fraudulent account I did not open. I have not entered into any agreement with this creditor, nor am I involved in any joint agreement with XXXX XXXX. I dispute the entire entry as identity theft. 

-- - * * XXXX. Creditor Name : * * XXXX XXXX SERVIC * * Account Number : * * XXXX * * Account Type : * * Collection * * Date Opened : * * XX/XX/XXXX * * Status : * * Collection \ {$510.00} Past Due This is a collection account I have never seen or interacted with. I have not received any communication or billing from this agency, and I believe it was added without my knowledge or authorization. 

-- - * * XXXX. Creditor Name : * * XXXX XXXX XXXX * * Account Number : * * XXXX * * Account Type : * * Debt Buyer * * Date Opened : * * XX/XX/XXXX * * Status : * * Collection \ {$6000.00} Past Due This debt collection account is fraudulent. I have never received a bill, collection notice, or agreed to this debt. I am not aware of any transaction that would result in this amount owed and believe this account was added using stolen personal data. 

-- - * * XXXX. Creditor Name : * * XXXX XXXXXXXX XXXX * * Date Inquired : * * XX/XX/XXXX * * XXXX. XXXX XXXX : * * XXXX XXXX * * Date Inquired : * * XX/XX/XXXX * * XXXX. Creditor Name : * * XXXX XXXX XXXX XXXX XXXX Date Inquired : * * XX/XX/XXXX * * XXXX. Creditor Name : * * XXXX XXXX XXXX * * Date Inquired : * * XX/XX/XXXX * * XXXX. Creditor Name : * * XXXX XXXX XXXXXXXX XXXX  * * Date Inquired : * * XX/XX/XXXX * * XXXX. XXXX XXXX : * * XXXX XXXX XXXX XXXX Date Inquired : * * XX/XX/XXXX * * XXXX. Creditor Name : * * XXXX XXXXXXXX XXXX * * Date Inquired : * * XX/XX/XXXX I did not authorize any of these hard inquiries and have never applied for credit, loans, or services with these lenders. These inquiries are also evidence that someone used my personal information to attempt to gain credit access fraudulently. 

-- - # # # * * Formal Request for Investigation and Debt Verification : * * Pursuant to * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * *, I am requesting the immediate * * blocking and deletion * * of all fraudulent accounts and inquiries listed above. These items were added as a result of identity theft, and I request they be removed from all credit reports with Experian, TransUnion, and Equifax. 

Additionally, under * * FCRA 611 ( 15 U.S.C. 1681i ) * *, I am formally requesting * * debt verification * * for all disputed accounts listed. This means I expect all credit bureaus and data furnishers to provide proper documented proof that I authorized the credit lines or inquiries. If these accounts can not be verified with * * valid signed documentation * *, including application forms and contracts, then they must be * * permanently removed * * from my credit file as required by law. 

# # # * * Compensation for False Verification : * * According to * * FCRA 616 ( 15 U.S.C. 1681n ) * *, if any of the fraudulent accounts listed above are falsely verified as valid despite this formal identity theft claim I will pursue my legal right to collect * * statutory damages of \ {$1000.00} per violation * *. I hope this matter can be resolved quickly and cooperatively, but I will not hesitate to escalate to legal authorities and file complaints with the FTC, Attorney General, and CFPB if necessary. 

# # # * * Supporting Documentation : * * I have attached the following supporting documents as part of this complaint and dispute : * A copy of my * * identity theft report * * ( police report or FTC Identity Theft Affidavit ) * A * * copy of my government-issued ID * * ( Drivers License / State ID ) * * * Proof of my current address * * ( utility bill, bank statement, lease, etc. ) These documents are included to verify my identity and support the legitimacy of this dispute. 

# # # * * Requested Actions : * * To resolve this dispute and restore the accuracy of my credit file, I respectfully request the following actions be taken : XXXX. * * XXXX removal and blocking * * of all fraudulent accounts and inquiries listed above. 
XXXX. * * Debt verification * * for all disputed accounts furnishers must provide valid, signed evidence. 
XXXX. * * Written confirmation * * that all fraudulent items have been permanently removed. 
XXXX. * * Proof that furnishers * * have been notified and instructed to stop reporting unverifiable or fraudulent information. 
XXXX. An * * updated copy of my credit report * * from all three bureaus ( Experian, TransUnion, Equifax ), reflecting the corrected information. 

Please confirm in writing that this request has been received and is being processed in accordance with the Fair Credit Reporting Act. Should there be any questions or need for clarification, I am available to provide further documentation and testimony if necessary. 

# # # * * Conclusion : * * I appreciate your prompt attention to this serious matter and expect that all steps will be taken to restore my credit report to a true and accurate state. Failure to comply with the outlined provisions of the FCRA may result in legal action. 

Thank you for your cooperation.

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