Consumer complaint received 2025-05-06 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 information that appears on my credit report, which I believe to be the result of identity theft. These accounts and inquiries were not opened or authorized by me. I have never had any interaction, application, or relationship with these creditors, nor did I authorize any third party to do so on my behalf. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX Account Type : Unsecured Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$510.00} written off. {$290.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$290.00} Responsibility : Individual XXXX XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$1700.00} written off. {$1700.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$1700.00} Responsibility : Individual XXXX XXXX XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$35000.00} written off. {$8800.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$8800.00} Responsibility : Joint with individual I do not recognize or authorize XXXX XXXX XXXX XXXXXXXX ) Unauthorized Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent. I did not apply for any credit, loans, or services with these companies on or near these dates. 
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 credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting full debt verification for each of the disputed accounts. I demand written documentationsuch as signed applications or contractsthat proves I authorized the creation and use of these accounts. If the furnishers can not provide this evidence, the accounts must be permanently removed from my credit file.

Compensation for False Verification : As stated under FCRA 616 ( 15 U.S.C. 1681n ), if any of the disputed accounts are falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. Continued reporting of unverifiable and fraudulent data may also result in civil liability. 

Supporting Documentation : I have included the following documentation to support my claim : A copy of my identity theft report ( police report and/or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of current address ( e.g. bank statement ) Requested Actions : Immediate blocking and deletion of all fraudulent accounts and inquiries listed above.

Formal debt verification for each disputed account.

Written confirmation that these items have been deleted from all credit bureaus.

Proof that all creditors ( furnishers ) have been notified and instructed to cease reporting any unverifiable or fraudulent data. 

An updated copy of my credit report reflecting the removal of these accounts and inquiries. 
I expect written confirmation that my request has been received, processed, and resolved in accordance with the FCRA. Please be advised that noncompliance 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