Consumer complaint received 2025-06-24 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/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 : Creditor Name : XXXX Account Number : XXXX Balance : {$4700.00} Creditor Name : XXXX Account Number : XXXX Balance : {$2100.00} Creditor Name : XXXX Account Number : XXXX Balance : {$5800.00} Creditor Name : XXXX Account Number : XXXX Balance : {$2100.00} Creditor Name : XXXX Account Number : XXXX Balance : {$1000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4700.00} Creditor Name : XXXX Account Number : XXXX Balance : {$2200.00} Creditor Name : XXXX Account Number : XXXX Balance : {$6900.00} Creditor Name : XXXX Account Number : XXXX Balance : {$3700.00} Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} ( Paid, Closed ) Inquiry : XXXX Inquiry Date : XX/XX/year> 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 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. Please provide documented proof that I authorized these accounts or inquiries, such as a signed contract or agreement. If verification can not be provided, I request that these items be permanently removed. 

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

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address Requested Actions : Immediate blocking and removal of all fraudulent accounts and inquiries. 

Debt verification for all disputed accounts. 

Written confirmation that these items have been deleted. 

Proof that furnishers were notified to stop reporting unverifiable data. 

An updated copy of my credit report showing these corrections. 

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Failure to comply 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