Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are multiple fraudulent accounts and/or inquiries listed on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally requesting that these items be immediately investigated, verified, and removed. 

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 : 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  These accounts were not opened by me, nor did I authorize anyone 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 all of the above fraudulent items from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting full debt verification. If the credit bureaus or furnishers can not provide documented proof such as a signed application, agreement, or contract showing I authorized these accounts they must be permanently removed from my file.

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

Supporting Documentation To support my claim, I have included the following : A copy of my identity theft report ( police report or FTC Affidavit ) A copy of my government-issued photo ID Proof of my current address ( utility bill, lease agreement, or bank statement ) Requested Actions I am requesting the following : 1. Immediate blocking and permanent deletion of all fraudulent accounts and inquiries.

2. Formal debt verification from all creditors reporting the disputed accounts.

3. Written confirmation that the fraudulent items have been removed.

4. Documentation that the furnishers have been notified and instructed to cease all reporting.

5. An updated and corrected copy of my credit report.

Please confirm in writing that this request has been processed according to 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