Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Fraudulent Online Credit Accounts Reporting Without My Authorization Demanding Immediate Removal & Full Investigation I am filing a formal federal complaint against the following company for reporting fraudulent online credit account that I NEVER applied for, NEVER authorized, and NEVER used : XXXX XXXX XXXX  Account No. XXXX This account was opened online without my permission, knowledge, or consent. I did not authorize any electronic application, digital signature, credit pull, or account use. I am demanding immediate deletion under federal law. 

VIOLATIONS OF FEDERAL LAW this company violate the following statutes : 1. FCRA 602A & 604 No Permissible Purpose to Pull or Use My Credit A creditor must have a legal purpose before pulling or reporting credit information. 
These companies had XXXX permissible purpose because : I did not apply for this account. 

I did not authorize any hard or soft inquiry. 

I did not give written, verbal, or digital consent. 

Reporting an account with no legitimate application is a federal violation.

2. FCRA 609 ( e ) Fraudulent Account Documentation Under 15 USC 1681g ( e ), when a consumer reports a fraudulent account, the company is legally required to provide : All application records IP addresses Device IDs Timestamp logs The method of application Any electronic signature Phone numbers used Verification steps taken To date, NONE OF THIS HAS BEEN PROVIDED, which is a direct violation. 

3. FCRA 611 Failure to Conduct a Reasonable Investigation Both companies continue to report the accounts despite being notified of identity theft, failing to : Verify the legitimacy of the application Confirm identity Provide application files Provide digital signature proof This is grounds for forced deletion.

4. FCRA 623 Furnishing Inaccurate Information Continuing to report an account that was : Fraudulent Unauthorized Opened online with no verification Disputed formally constitutes illegal furnishing of inaccurate information to the credit bureaus. 

Each violation is subject to civil liability, statutory damages, punitive damages, and attorneys fees. 

5. FACTA ( Identity Theft Prevention ) Failure to Use Red Flag Procedures the creditor failed to follow legally required Red Flag Rules when opening online accounts. 

This includes failure to verify : IP mismatch Geolocation mismatch Email mismatch Phone mismatch ID or SSN verification This is a federal compliance failure. 

DEMAND FOR IMMEDIATE ACTION I am demanding the following remedies : 1. Immediate removal of the account from all credit bureaus.

2. A copy of ALL application data used to open each account : IP addresses Device IDs Digital signatures Application timestamps Phone numbers Emails Verification documents Any communication logs 3. Full investigation confirmation sent to me in writing.

4. Cease-and-desist from reporting these fraudulent accounts.

Failure to comply will result in : A formal FTC Identity Theft Report A police report A direct Attorney General complaint Civil action under FCRA 616 and 617 Conclusion This account was opened without my knowledge. Under federal law, creditors can not continue to report fraudulent data when : No application proof exists No verification was performed The consumer has disputed and claimed identity theft I expect immediate deletion of : XXXX XXXXXXXX XXXX XXXX I request full compliance within 15 days of receipt of this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX

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