Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
I am submitting this formal statement to report that I have been a victim of identity theft. As a result, there are fraudulent accounts and 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, which are the result of identity theft : Fraudulent Accounts : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Status : Paid in settlement, {$1000.00} written off XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Status : Charged off, {$1700.00} written off, {$1100.00} past due Fraudulent Hard Inquiries : XXXXXXXX XXXX  Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX 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 report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for these disputed accounts. Please provide documented proof ( e.g., a signed contract or agreement ) that I authorized these accounts. If verification can not be provided, these accounts must be permanently removed from my credit file. 

Compensation for False Verification As stated 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 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 report ( police report/ FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address ( utility bill / bank statement ) Requested Actions I request : Immediate blocking and removal of all fraudulent accounts and hard inquiries. 

Debt verification for all disputed accounts. 

Written confirmation that the fraudulent items have been deleted from my report. 

Proof that the furnishers of these accounts have been notified and instructed to stop reporting any unverifiable information. 

An updated copy of my credit report reflecting these corrections. 

I expect confirmation in writing that my request has been processed in compliance with the FCRA. 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