Consumer complaint received 2025-07-24 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 inquiries on my credit report that I did not authorize, open, or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be thoroughly investigated, properly verified, and permanently removed from my credit file. 

Details of the Dispute : I am disputing the following information that appears on my credit report. These accounts and inquiries were not opened or authorized by me and are the result of identity theft. I have never applied for credit with these institutions, nor have I had any relationships or transactions with them. 

XXXX. XXXX XXXX XXXX XXXX  XXXX : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Responsibility : Joint with XXXX XXXX XXXX Status : Account charged off. {$5300.00} written off. 
I have never entered into a joint auto loan with XXXX XXXX XXXX or any individual. I did not authorize this auto loan, nor have I been in contact with this lender. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Responsibility : Joint with XXXX XXXX Status : Collection account. {$5300.00} past due as of XX/XX/XXXX. 
This account appears to be tied to the previously mentioned XXXX XXXX loan. Again, I did not authorize any financial arrangement with this individual or company. I dispute this debt in full. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Responsibility : Individual Status : Collection account. {$380.00} past due as of XX/XX/XXXX. 
I have no knowledge of this account and did not authorize or open it. 

XXXX. XXXX XXXX XXXX, XXXX  Account Number : XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Responsibility : Individual Status : Collection account. {$310.00} past due as of XX/XX/XXXX. 
This debt buyer account was opened fraudulently and is not associated with any valid debt of mine. 

XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Status : Open I do not have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I dispute the validity and accuracy of this record and request its removal. 

Inquiries I Did Not Authorize : These hard inquiries were made without my knowledge or consent and were not initiated by me : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I never applied for credit with any of these institutions during the listed time frames. These inquiries should be removed from my report immediately as they are linked to fraudulent activity. 

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 unauthorized inquiries from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting formal debt verification for all disputed accounts. I expect the credit bureaus and the original creditors or debt collectors ( furnishers ) to provide documented proof that I personally authorized or entered into these agreements. This includes : Signed contracts IP address logs ( if digital ) Application or communication records with matching verification steps If such documentation can not be provided and validated, these items must be permanently removed from my file. 

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts or inquiries are falsely verified as valid despite my identity theft report and this dispute, I reserve the right to pursue statutory damages of {$1000.00} per violation, as well as any actual damages and legal fees. 

Supporting Documentation : To support my claim of identity theft, I have attached the following : A copy of my Identity Theft Report ( Police Report or FTC Affidavit ) A copy of my Government-Issued ID ( e.g., Drivers License ) A Utility Bill or other document showing proof of my current mailing address Requested Actions : I respectfully request the following actions be taken immediately : Permanent removal and blocking of all fraudulent accounts and hard inquiries listed in this dispute. 

Formal debt verification from all furnishers involved in these disputed accounts. 

Written confirmation that each fraudulent item has been deleted and blocked under FCRA guidelines. 

Proof that all furnishers have been notified and instructed to stop reporting unverified or fraudulent information. 

An updated and corrected copy of my full credit report showing the removal of these accounts and inquiries. 

Final Note : This identity theft has caused significant distress and could impact my financial well-being. I am committed to resolving this matter quickly and efficiently, and I trust that you will act in accordance with federal law. I expect a timely response and resolution of this dispute. If the credit reporting agencies or furnishers fail to comply, I am prepared to escalate the matter legally through the appropriate channels. 

Thank you for your attention to this urgent matter.

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