Consumer complaint received 2025-07-02 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 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 hard inquiries and accounts, which appear on my credit report as a result of identity theft : Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize or initiate any of the above inquiries. These were made without my knowledge or consent. 

Fraudulent Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. {$430.00} written off This account was not authorized by me. I never applied for or used this card. 

XXXXXXXX XXXX XXXXXXXX ( XXXX Loans ) Account Numbers : XXXX Opened : XX/XX/XXXX Balances : {$4700.00} and {$3600.00} Status : Open I did not take out these loans. These balances and accounts are fraudulent. 

Additionally, late payments have been reported on these fraudulent accounts particularly the GAP account and student loans which are inaccurately damaging my credit score. 

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 XXXX ( XXXX U.S.C. XXXX ), I am requesting that all credit reporting agencies immediately block and delete the fraudulent items listed above from my credit file. 

Furthermore, under FCRA XXXX ( XXXX XXXX. XXXX ), I am formally requesting debt verification for all disputed accounts. I expect full documentation proving I opened or authorized each account, including : Signed contracts IP tracking for online applications Copies of identification used If no such documentation can be provided, the accounts and inquiries must be permanently removed from my credit report. 

Compensation for False Verification : As outlined in FCRA XXXX ( XXXX U.S.C. XXXX ), if any account or inquiry is falsely verified as valid despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation and may pursue legal action accordingly. 

Supporting Documentation : I have included the following documents to support my identity theft claim : A copy of my identity theft report ( police report and/or FTC affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill or bank statement ) Requested Actions : I am formally requesting that the following steps be taken immediately : Blocking and removal of all fraudulent accounts and hard inquiries listed above. 

Verification of all debts, including documentary evidence of authorization. 

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

Written notice to all furnishers instructing them to cease reporting unverifiable information. 

An updated copy of my credit report reflecting these corrections. 

Conclusion : I expect confirmation in writing that this request has been received and processed in accordance with the FCRA. Please be advised that failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action. 

Thank you for your attention to this urgent matter. I look forward to your swift resolution.

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