Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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. It's been OVER 30 days since dispute has been opened. 

Details of the Dispute : I am disputing the following accounts that appear on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance : {$6400.00} Status : Account charged off. {$6700.00} written off. {$6400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Status : Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 

XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. ( Still showing as under dispute ) XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Status : Account charged off. {$630.00} written off. {$630.00} past due as of XX/XX/XXXX. 

These accounts were never opened or authorized by me. They are fraudulent and must be removed. 

Failure to Resolve Within 30 Days : By law, disputes must be resolved within 30 days under FCRA 611 ( 15 U.S.C. 1681i ). These accounts remain marked Under Dispute well beyond the 30-day investigation window. Since no resolution or verification has been provided within the required timeframe, you are now legally obligated to remove these items from my credit report.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and delete these fraudulent items.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification. This includes : Full documentation Signed agreements Any evidence that proves I authorized these accounts If no such verification can be produced, the accounts must be permanently removed.

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation : I have attached the following : A copy of my identity theft report ( police report or FTC affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill ) Requested Actions : Immediate removal of all fraudulent accounts and inquiries. 

Debt verification from furnishers for each disputed account. 

Written confirmation that the items have been deleted. 

Proof that the furnishers have been notified to cease reporting. 

A new copy of my credit report reflecting all corrections.

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