Consumer complaint received 2025-03-20 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 complaint because I have been a victim of identity theft, and fraudulent accounts and inquiries have been placed on my credit report without my knowledge, authorization, or consent. These unauthorized transactions have negatively impacted my credit score and financial standing, and I am requesting that the involved companies take immediate action to remove them in accordance with the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts & Hard Inquiries Identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX / XXXX ( XXXX XXXX ) Unauthorized hard inquiry dated XX/XX/year>. 

I did not open or authorize these accounts or inquiries. I have never conducted business with these companies nor applied for credit with them. These fraudulent activities have damaged my credit profile and may continue to affect my ability to obtain financial services. 

Actions Taken to Resolve the Issue 1. Filed an Identity Theft Report : I filed a police report detailing the fraudulent activity. 
I submitted an FTC Identity Theft Affidavit to document the fraud. 
2. Disputed the Fraudulent Accounts & Inquiries with Credit Bureaus : I contacted Experian, Equifax, and TransUnion to dispute the fraudulent XXXX account and the unauthorized XXXX XXXX XXXX 
I provided supporting documents, including the police report and FTC affidavit, to validate my claim. 
I requested a fraud alert and credit freeze to prevent further identity theft. 
3. Reached Out to XXXX XXXX XXXX XXXX for Account Verification & Removal : I notified both companies in writing that these accounts were fraudulent. 
I requested documentation proving that I had applied for or authorized these accounts. 
I demanded an immediate deletion of the fraudulent account and inquiry under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Issues with the Companies Response Despite my legitimate dispute and supporting evidence, the companies involved have : Failed to remove the fraudulent account and inquiry from my credit report. 
Refused or neglected to provide proof that I authorized these accounts. 
Continued to report inaccurate information to the credit bureaus. 
Ignored their legal obligations under FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to properly investigate and remove unverifiable data. 

Request for CFPB Assistance I am seeking CFPBs intervention to ensure that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry are permanently removed from my credit report. 
2. The companies provide written confirmation stating that the fraudulent items have been deleted. 
3. All negative credit reporting associated with these fraudulent accounts is erased. 
4. XXXX XXXX XXXX XXXXXXXX comply with the FCRA and stop reporting inaccurate information. 
5. I am not held financially responsible for debts linked to fraudulent accounts. 

I have attached the following supporting documents : A copy of my police report documenting the identity theft. 
A copy of my FTC Identity Theft Affidavit. 
Government issued iD. 

I request that these fraudulent accounts and inquiries be removed immediately and that I receive written confirmation. If the companies fail to comply, I will consider taking legal action for damages under FCRA 616 ( 15 U.S.C. 1681n ).

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