Consumer complaint received 2025-03-25 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 : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries and accounts do not belong to me, and I have never authorized anyone to open or use them 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.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for all disputed accounts. This means I expect the bureaus and furnishers to provide valid documentation ( e.g., a signed contract or agreement ) showing that I personally authorized these accounts. If such evidence can not be produced, the items must be permanently removed from my credit file.

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

Supporting Documentation : I have included the following with this dispute : A copy of my identity theft report ( police report or FTC Affidavit ) A copy of my government-issued photo ID Police Report Requested Actions : 1. Immediate blocking and removal of all fraudulent accounts and inquiries listed above 2. Debt verification for all disputed accounts 3. Written confirmation that all fraudulent items have been deleted from my credit file 4. Notification to the furnishers instructing them to cease reporting unverifiable information 5. An updated copy of my credit report reflecting these corrections I expect written confirmation that my request has been processed in full compliance with the FCRA. Please be advised that failure to comply may result in additional 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