Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this Identity Theft Report to formally document that credit inquiries and accounts have been opened in my name without my knowledge, authorization, or consent. I am the victim of identity theft, and this statement details the fraudulent activity, the immediate steps I have taken, and the actions required to rectify my credit file. All information provided herein is accurate to the best of my knowledge. 
I XXXX  became aware of the fraudulent activity upon reviewing my credit report and noticing multiple inquiries and accounts that are completely unfamiliar. I have never applied for or authorized any of these accounts, nor have I shared my personal information with these lenders or companies. This unauthorized activity was discovered despite my diligent efforts to safeguard my personal information. 
None of the accounts or credit applications reflected on my credit report were initiated, approved, or authorized by me. These fraudulent inquiries and accounts constitute unauthorized use of my personal information. I have taken immediate steps to address this, including : XXXXContacting the lenders and companies involved to report the fraudulent activity and request that the accounts be closed, canceled, or flagged as identity theft. 
XXXXPlacing a fraud alert and a credit freeze on my credit reports to prevent further unauthorized applications. 
XXXXFiling a police report with my local law enforcement agency to officially document the identity theft. 
XXXXReporting the identity theft to the Federal Trade Commission ( FTC ). 
The unauthorized use of my personal information is a direct violation of federal law, including the Fair Credit Reporting Act ( FCRA ). I demand immediate removal of all fraudulent accounts, inquiries, and applications from my credit reports unless proper, verifiable documentation proving my authorization is provided. 
Failure to comply will be considered a willful violation of federal law, and I am prepared to pursue all available legal remedies, including regulatory enforcement, civil damages, and reporting to law enforcement authorities. Any continued reporting of fraudulent accounts without proper validation will be considered malicious and legally actionable. 
To be absolutely clear : I had no involvement whatsoever with these fraudulent applications or accounts. I did not initiate, approve, authorize, or benefit from any of these actions. The accounts and inquiries appearing on my credit report are the result of criminal misuse of my identity and must be permanently removed to restore the integrity of my credit file. 
Under the FCRA, especially Section XXXX, I have the right to request the blocking and removal of any information that resulted from identity theft. I am formally invoking this right and demand that all fraudulent accounts and inquiries be investigated and deleted immediately. 
The fraudulent activity has caused significant stress, inconvenience, and potential harm to my financial standing. I have taken all appropriate steps to protect myself, including documenting, reporting, and securing my personal information. It is imperative that the credit bureaus and all involved creditors act swiftly to correct these inaccuracies. 
I declare under penalty of perjury that all statements herein are true and accurate. I demand that the fraudulent entries be permanently removed from my credit file, and I expect immediate corrective action from all responsible parties.

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